Road-Safety-Package-Policy

We Cover
The policy will pay for occurrence of
death
total loss of two limbs or two eyes
total loss or one limb and one eye
total loss of one limb or one eye
Permanent total and partial disablement
during the policy period be the sole and direct cause of an accident

Who can be Insured ?
Any person can reclaim all the medical expenses incurred in a Hospital/Nursing home because of an accident.
Insurance can be taken for a value of 25 0 to 1 0 0 for a period of 1 to 5 years

RISK COVERED AND PREMIUM RATING

Section A - I - Personal Accident :
If the Insured / Injured person shall sustain any bodily injury resulting solely and directly from accident caused by outward violent and visible means then the company shall pay to the Insured the sum hereinafter set forth that is to say:

If such injury shall within twelve calendar months of its occurrence be the sole and direct cause of the
Death

Total and irrevocable loss of sight of both eyes or both hands or both Legs

Total and irrevocable loss of sight of one eyes or one entire hand or one entire Leg

Permanent or partial or absolute disablement

Section A - II - Medical Expenses for Bodily Injury
If the insured has to go undergo Medical treatment as advised by a qualified physician / Medical Specialist for bodily injury RESULTING SOLELY AND DIRECT FROM road accident which would normally give rise to Third Party Claim under Motor Policies. Hospitalization expenses for such treatment not exceeding the Sum Insured is payable under following heads.

Room Boarding expenses as provided by the Hospital / Nursing Home.
Nursing Expenses
Surgeon Anesthetist Medical Practitioner Consultant's Specialist's Fee
Anesthesia Blood Oxygen Operation Theater Charges Surgical Appliances Drugs etc.
Ambulance Charges

Section A - III - Extension to Cover Medical Expenses to Accident Arising during and in course of Employment
It is hereby agreed and declared that notwithstanding anything in the within mentioned policy contained to the contrary this insurance extends to covers hospital expenses incurred due to accident during and in course of employment to the extent of Sum Insured ( as defined under Workman's Compensation ACT ). It is imperative that this extension is offered only if section I covering PA is covered.

What will policy pay ?
Hospitalization expenses arising solely because of Road accident

WHAT WILL POLICY NOT PAY

Policy will not pay under below circumstances:
Any payment after admission of a claim for 50% / 100% of capital sum insured.

Any claim in the same period of insurance exceeding the capital sum insured.

Suicide / attempted suicide VD Criminal breach of law influence of liquor / drugs..

Any Hospital Expense not directly related to road accident as defined.

War and nuclear perils.

Naturopathy treatment.

Compensation under more than one clause for the same period of disability not exceeding capital Sum Insured.