Salient Feature
The policy compensates individual against death, loss of limbs, loss of eyesight, permanent total disablement, permanent partial disablement and temporary total disablement, solely and directly resulting from accidental injuries.
Table of Benefits
Contingency |
Benefit |
| Death only |
100% of Capital Sum Insured (CSI) |
| Loss of two limbs, two eyes or one limb, one eye. |
100% of Capital Sum Insured (CSI) |
| Loss of one limb or one eye. |
50% of Capital Sum Insured (CSI) |
| Permanent Total Disablement |
100% of Capital Sum Insured (CSI) from injuries other than those Named above. |
| Permanent Partial Disablement |
% of CSI as Detailed in the Policy |
| Temporary Total Disablement |
1% of CSI per week up to 52 weeks Maximum.Weekly benefits not to exceed Rs.1500/- |
Risk Classification
Normal Risk: Bureaucrats, Doctors, Lawyers, Accountants, Architects, Bankers, Consulting Engineers, Teachers, and Persons engaged in administrative functions, persons primarily engaged in occupations of similar hazard.
Medium Risk
Builders, Contractors, Engineers engaged in superintending functions only, Veterinary Doctors, Paid Drivers and Persons engaged in occupations of similar hazard and not engaged in manual labour.
All persons engaged in manual labour (except those falling under heavy risk), cash carrying employees, Garage and Motor Mechanics, Machine Operators, Drivers of Heavy Vehicles, Professional Athletes and Sportsmen and Wood working Machinist and persons engaged in any occupations of similar hazard.
Heavy Risk
Persons working in underground Mines, Explosive, Magazines, Workers involved in electrical installation with High-tension supply, jockeys, Circus personnel, persons engaged in activities like racing on wheels or Horse back, big game hunting, Mountaineering, Winter Sports, Skiing Ice Skating, Ballooning, Hang gliding, River Rafting, Polo playing and persons engaged in occupations/activities of similar hazards.
Medical Expenses
Reimbursement of medical expenses directly arising out of an accident can be covered at an additional premium of 10% of the basic premium.
Medical expenses reimbursable shall be 2% of C.S.I. or 25% of the admissible claim whichever is lower (If no claim is admissible under the basic cover no medical expense shall be payable).
Other Benefits
Expenses for carriage of dead body
Expenses incurred for carriage of dead body of the insured (in case of death due to accident only, to place of residence at 2% of C.S.I. subject to maximum Rs.1000/- shall be reimbursed. Cumulative Bonus : 5% of C.S.I. per claim free year shall be added to the Capital Sum Insured subject to maximum of 50% of C.S.I.
Group Policies
Group policies can be issued covering more than one person.
Group Discount
Group Discount shall be granted from 5% onwards for groups consisting above 100 persons.
Geographical Limit
Worldwide
Hospitalization Policy
Salient Feature
Hospitalization for illness, disease or accident, whether including surgery or not, imposes Heavy financial burden on individuals, families, employers and welfare bodies.
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