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Individual Personal Accident Insurance policy, a product that secures your family's future by covering loss of life, disabilities etc.
Key Features
Designed for Self-employed, Salaried and Business Class
Add-on Covers with Hospital Confinement & Ambulance Charges
Cumulative Bonus
Permanent Total Disability Benefit
Comprehensive Coverage: Death and Disability due to Accident, Income Loss
Coverage
Our personal accident insurance policy offers compulsory 'Accidental Death' along with a range of accident covers:
Accidental death
Accidental Death + Permanent Total Disability (PTD)
Accidental Death + Permanent Total Disability (PTD) + Permanent Partial Disability (PPD)
Accidental Death + Permanent Total Disability (PTD) + Permanent Partial Disability (PPD) + Temporary Total Disability (TTD)
Major Exclusion
Suicide or attempted suicide
Self-inflicted injury
While inebriated or under the influence of drugs or hallucinogens, or any medication not prescribed by a doctor.
Due to participating in actual or attempted felony, riot, crime, or civil commotion.
Participation in hazardous activities such as sky diving, parachuting, scuba diving, bungee jumping etc.
Committing breach of law with criminal intent.
Important Note: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions ,
Plan Option
Minimum coverage under this accident policy is Rs 1,00,000, maximum coverage is Rs 1,00,00,000. Sum Insured for Accidental Death Benefit / PTD is limited to 120 times monthly gross income or 10 times the annual gross earnings from gainful employment/occupation.
