Rural Personal Accident Insurance

Rural Personal Accident Insurance



Salient features


  • An exclusive policy designed specially for Rural and Social sector with attractive benefits at an affordable cost
  • It provides accident benefits as basic cover and reimbursement of hospitalisation expenses as extended cover
  • Compensation and hospital expenses are paid in the event of insured sustaining bodily injury resulting solely and directly from accident caused by external, violent and visible means
  • Persons in the age group of 10 to 70 years can be covered under this policy
  • The cover is for all 24 hours. i.e. on duty and off dutyes


Sum Assured


Sum Insured can be in multiple of Rs 25,000 - up to a limit of Rs 2,00,000 per person.


100% of the S.I
Total and irrecoverable loss of sight of both
eyes or loss of use of two hands or loss of
sight of one eye and loss of use of one
100% of the S.I
Total and irrecoverable loss of sight of one
eye or loss of use of one hand or foot
50% of the S.I
Permanent Total Disablement 100% of the S.I
Permanent Partial Disablement As per the percentage
of disablement
Hospitalisation Expenses 10% of the S.I




1.50 per millie on the sum insured opted. 50% loading is charged for high risk groups like drivers etc.
* Service Tax as Applicable

Important Exclusions

1. Any existing Disability
2. Death or disablement due to:
  • intentional self¿injuries, suicide or attempted suicide
  • under the influence of liquor or drug
  • racing, big games, hunting, mountaineering and winter sports
  • insanity
  • insured committing breach of law with criminal intention
  • war group of perils
  • nuclear group of perils

3. Hospital expenses incurred for other than accidental injury
This policy is best suitable for groups like, agricultural labours, bidi workers, brickline workers, carpenters, construction workers, papad makers, cobblers, fishermen, handicraft artisans, handloom and khadi workers, lady tailors, leather and tannery workers, power-loom workers, primary milk producers, rickshaw pullers, sugarcane cutters, tender leaf collectors, toddy tapers, vegetable vendors, washerwomen, working women in hills, physically handicapped self employed persons. Group Discount can be allowed for group proposal.