Individual Personal Accident

INDIVIDUAL PERSONAL ACCIDENT POLICY
By definition, accidents are unexpected incidents. Though you can not predict them, you can definitely be prepared. Our Individual Personal accident policy helps to do that.

What's Covered
Following are the benefits of each cover given below:
-Accidental DeathBasic | Wider | Comprehensive
-Permanent Total DisablementWider | Comprehensive
-Permanent Partial DisablementWider | Comprehensive
-Temporary Total DisablementComprehensive
-Hospital Confinement allowanceComprehensive
-Medical Expense ExtensionComprehensive

What's Not Covered
-Natural death
-Compensation under more than one benefit mentioned in the table of ---Benefits in respect of the same period of disablement
-Any payment in case of more than one claim under this policy during any one period of insurance by which our liability in that period would exceed Capital Sum Insured
-Payment of compensation in respect of death or injury resulting from:
-Committing or attempting suicide and intentional self-injury
-Drug addiction or alcoholism
-Any adventure sport and/or hazardous activity
-A breach of law with criminal intent
-War, civil war, invasion, act of foreign enemies, revolution, insurrection or mutiny Ionizing radiation or contamination by radioactivity
-Radioactive, toxic, explosive or hazardous properties of any nuclear assembly or nuclear component
-Consequential loss of any kind and/or any legal liability
-Pregnancy including child birth, miscarriage, abortion or complications arising there from
-Participation in any naval, military or air force operations
-Curative treatments or interventions
-Additional Covers
-Following optional insurance covers can be taken by paying additional premium. These will further enhance your coverage (for comprehensive plan only)

Medical Expense
-Extension
-Covers medical expenses as a result of an accident resulting in the bodily injury, death or disablement. The compensation under this extension is up to 10% of Capital SI or 40% of the Personal Accident Claim or actual medical expenses whichever is less
-Hospital Confinement
-Allowance Per day allowance of Rs 500 up to a maximum of 30 days, per day hospitalization allowance due to an accident resulting in bodily injury, death or disablement
-Family Package
-Special family package insurance cover on the following lines may be granted. Family discount of 10% on covering 2 or more family members under 1 policy

CATEGORY
CAPITAL SUM INSURED (CSI)
-Earning member or spouse
-Maximum on the basis of yearly income (100% of sum isured for -Basic/Wider/Comprehensive Cover)
-Spouse, if not working
-50% of sum isured of the insured or 2,00,000 whichever is lower (Basic/Wider Cover)
-Dependent children
25% of sum isured of the insured or 1,00,000 whichever is lower (Basic/Wider Cover)
-Dependent parents
25% of the sum isured of Insured or 1,00,000 whichever is lower (Basic/Wider Cover)