Personal Accident Insurance

  • Purpose:- To pay fixed compensation for death or disablement resulting from accident.
  • Scope:- Any bodily injury or death resulting solely and directly from accident caused by external voilent and visible means

PERSONAL ACCIDENT INSURANCE :

BENEFITS :

  • Death
  • Loss of two limbs or two eyes or one limband one eye
  • Loss of one limb or one eye
  • Permanent total disablement
  • Permanent partial disableablement
  • Temporary total disablement

COMPENSATION :

  • 100 % C.S.I.(Capital Sum Insured)
  • 100 % C.S.I.
  • 50 % C.S.I.
  • 100 % C.S.I
  • % AS PER TABLE
  • 1 % OF C.S.I. PER WEEK (MAX. 100 WEEKS)

ADDITIONAL BENEFITS:

  • Medical expenses : by charging 20% extra premium we cover medical expenses incurred by insured in connection with accidetal injuries/death
  • Expenses incurred for carriage of dead body to place of residence
  • Children Education Expense
  • Cumulative Bonus

EXCLUSIONS:

  • No compensation is payable in respect of death,injury or disablement of Insured caused.
  • From intentional self induced injuries, sucide or attempt to sucide.
  • Whilst under influence of intoxicating liquor or drug.
  • Whilst enaged in adventure sports activities
  • No compensation is payable in respect of death.injury or disablement of Insured caused.
  • Arising or resulting from insured committing any breach of law with criminal intent.
  • Whilst in service with armed forces.Resulting directly or indirectly from child birth or pregnancy.