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Personal Accident to Household Staff

Personal accident to household staff
 

Policy Tenure from 1 to 3 years.

Personal Accident to Household Staff

In case of death or disability arising out of and consequent (within 12 months) upon an injury sustained by your household staff, the policy will pay the limits specified in the schedule under this section as per the benefit table mentioned below.

 
 

Coverage
Percentage
1. Death
100%
2. Permanent Total Disablement
 
Total and irrevocable loss* of
 
(i) Both Hands or both feet
100%
(ii) sight of both eyes
100%
(iii) one entire hand and one entire foot
100%
(iv) Loss of either hand or foot and sight of one eye
100%
(v) Speech and hearing in both ears
100%
(vi) Either hand or foot
50%
(vii) Sight of One eye
50%
(viii) Speech
50%
(ix) Hearing in both ears
50%
(x) Thumb and index finger of the same hand
25%
(xi) Quadriplegia
100%
(xii) Paraplegia
50%
(xiii) Hemiplegia
50%
 
In any case, the maximum liability of the company in the event of a claim shall not exceed 100% of the sum insured provided under this section.
Maximum limit – 8 times annual income (Max Rs.5 lacs)
 

Terms & conditions:

1.If the Accident affects any physical function, which was already impaired beforehand, a deduction will be made   equal   in amount for this prior disablement.
2. If the accident impairs   a number of physical functions, the degree of disablement given in the Table of Benefits will be added together, but not exceeding 100% of the Sum Insured.
3.In the event of permanent disablement, the Insured Person will be under obligation:

a)   To have himself/herself examined by doctors appointed by the Company will pay the costs involved thereof.

b)   To authorize doctors providing treatments or giving expert opinion and any other authority to supply the Company any information that may be required.
If the obligations are not met with due to whatsoever reason, the Company may be relieved of its liability to pay.
 

Exclusions:

The Company shall not be liable to make any payment under this Benefit in connection with

a.  Accidents due to mental disorders or disturbances of consciousness, strokes, fits or convulsions which affect the entire body and pathological disturbances caused by the mental reaction to the same.

b.  Damage to health caused by curative measures, radiation, infection, poisoning except where these arise from an Accident.

c.   Any payment under this Benefit whereby the Company’s liability    would exceed the sum payable in the event of death.

d.  Any other claim after a claim for death has been admitted by the Company and becomes payable.

e.  Any claim which arises out of an Accident whilst engaging in aviation or ballooning, whilst mounting into or dismounting from or traveling in any balloon or aircraft or which occurs during parachuting except when the Insured Person is flying as a fare paying   passenger   on   a multiengine commercial aircraft.

f. Any claim arising out of an Accident related to pregnancy or childbirth, venereal disease or infirmity, whether directly or indirectly.

g.Any claim for death or Disablement of the Insured Person from

(a) intentional self-injury, suicide or attempted suicide.  

(b) whilst under   the influence   of intoxicating liquor   or drugs.

(c)  self- endangerment unless in self-defence or to save life.

h) Any claim for participation in Hazardous Sports/Hazardous Activities

i) ) Any claim arising out of sporting activities in so far as they involve in training or participation in competitions of professional or semi- professional sports persons.

j) General exclusions applicable to all sections as specified in the policy.

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