Minimum Sum Insured per person is Rs. 25,000. The Sum Insured can be increased in multiples of Rs. 25,000 up to a limit of Rs. 2,00,000 per person.
Rs. 15 to be charged for every Sum Insured of Rs. 25,000. This policy is exempted from service tax.
Any existing disability
Death or disablement due to Intentional self¿injuries, suicide or attempted suicide
Death or disablement under the influence of liquor or drug.
Death or disablement during racing, big games hunting, mountaineering and winter sports
Insanity, breach of law by the insured with criminal intention.
War group of perils
Nuclear group of perils
This policy is best suitable for groups like, agricultural labours, bidi workers, brickline workers, carpenters, construction workers, papad makers, cobblers, fishermen, handicraft artisans, handloom & khadi workers, lady tailors, leather & 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.