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The Policy provides for defined benefits based on the nature of injury sustained, by the Insured Person in an accident during the Policy period.
Life is uncertain. Your future doesn't have to be. The accidental death or injury of a breadwinner can create serious financial problems for the family. Universal Sompo's Personal Accident Policy provides You and Your family mitigation against the financial consequences of unforeseeable accidents.
What does this Policy cover?
The Policy provides for defined benefits based on the nature of injury sustained, by the Insured Person in an accident during the Policy period.
What are the different Coverage options in the policy?
The Policy provides for three different options as under:
Basic Cover: covers against Death only
Wider Cover: covers against Death, Permanent Total Disablement & Permanent Partial Disablement.
Comprehensive Cover: covers against Death, Permanent Total Disablement, Permanent Partial Disablement & Temporary Total Disablement
What are the Additional Benefits under the Policy?
What are the Optional Extension available under the Comprehensive Cover Policy:
The Policy can be extended to cover the following by payment of additional Premium
Medical Expenses Extension: Cover the medical expenses reasonably and necessarily incurred by you towards medical expenses as a result an accident resulting in the bodily injury, death or disablement. The compensation under this extension is restricted to 40% of Personal Accident Claim or actual medical expenses whichever is less.
Hospital Confinement Allowance: Daily allowance of Rs 500/- per day to a maximum of 30 days if you or any of the insured person is hospitalized as a result of an accident resulting in the bodily injury, death or disablement.
What are the renewal terms applicable to this Policy?
This Policy shall ordinarily be renewable for lifetime except on grounds of fraud, moral hazard or misrepresentation or non-cooperation by you.
What are the discounts available in the Policy?
