Personal Accident Insurance

The policy provides for the payment of certain amount per death or disablement (totally or partly or temporary) of insured person due to an accident.

The sum insured is Rs.100,000/- Rs.189/- (For Benefits 1 to 6 ) per year per person.

For the sake of convenience Benefits are shown below for a Capital Sum Insured (CSI) of Rs. 1,00,000/-.


Particulars

Amount in
Rupees

1. Death only

2. Loss of two limbs two eyes or one limb and eye

3. Loss of one limb or one eye

4. Permanent Total Disablement from injuries other than those named above (PTD)

5. Permanent Partial Disablement (PPD) % CSI.

6. Temporary Total Disablement (TTD) at 1% of CSI upto 100 weeks (Maximum weekly benefits not exceeding Rs.3,000) However limited to Capital Sum Insured. (Please see note below).

1,00,000

1,00,000

50,000

1,00,000
 

 

1,000
per week


Additional Benefits free of cost available under all Tables:
Expenses for carriage of dead body of the Insured person (Death dur to accident only) to the place of residence 2% of CSI of Rs. 2,500/- whichever is lower.

Education grant is payable in the event of death or permanent total disablement of the Insured person.
a)One dependent child below 25 years of age 10% of CSI subject to maximum of Rs. 5,000/-.
b)More than one dependent child below 25 years of age 10% of CSI subject to maximum if Rs. 10,000/-.

Extension Cover:
The policy can be extended to include medical expenses to the extent of 40% of the valid claim amount or 10% of Capital Sum Insured whichever is less subject to payment of additional premium at the rate of 20% of basic premium.

Form: Personal Accident Proposal