Personal Accident Policy is a worldwide cover providing protection for the employees against any accidental injuries sustained by the individuals resulting in death and disablement.

- Competitive Premium
- Flexibility of covers and sums insured
- Superior claim service
- Option to choose higher medical expenses limit
- Option to choose higher Temporary Total Disablement benefit limit
- Carriage of dead body expenses subject to a maximum of 2% of Capital Sum Insured or
  Rs.2500/-
- Provision to restrict the cover either on duty

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The Policy covers bodily injury due to an accident caused by external, violent and visible means and resulting in death/disablement within 12 calendar months from the date of accident.
The cover available is worldwide and for 24 hours. However in case any organization wishes to opt for a restricted cover for their employees for the duration during which they are only on duty, the same can be provided by offering suitable discount in the premium.

- Medical Expenses extension
- Temporary total disablement cover

Death or bodily injury sustained from
- Intentional Self injury, suicide or even attempted suicide
- While under the influence of intoxicating liquor or drugs
- While engaging in activities associated with aviation or ballooning activities, while
  mounting into or dismounting from a balloon and / or an aircraft (other than while
  traveling as a passenger)
- Arising out of any criminal activities committed by the insured person
- Death or disablement of any kind resulting directly or indirectly or in consequence of
  child birth/pregnancy

- Duly filled claim form
- Copy of FIR duly attested by the issuing authority/Notary Public
- English Translation of all vernacular documents duly attested by Notary Public
- Copy of postmortem duly attested by the issuing authority/Notary Public
- Original death certificate
- Panchanama report/inquest report duly attested by a Notary Public
- Admission/death summary in case the deceased person was admitted to a hospital after
  the accident
- Original Legal Heir Certificate

- Duly filled claim form
- Copy of FIR duly attested by the issuing authority
- English Translation of all vernacular documents duly attested by Notary Public
- Admission/discharge summary of the hospital where he was admitted after the accident
- Attending doctor''s certificate clearly specifying whether there is any disablement and
  if so, the percentage of disablement (this certificate forms part of the disablement
  claim form)
- Copies of x-ray/scan/test reports taken in connection with the accident/treatment
- Original Certificate from the employer confirming period of absence from duty