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An insurance policy which, in return for regular premiums, pays a specific sum in the event of death, loss of sight or limbs or other permanent disablement due to an accident. This policy is not an indemnity policy, but a benefit policy. This implies that the promised sum insured will be paid in full in the event of the occurrence of the peril.
Accident means any sudden, unintended and fortuitous external and visible event, which might cause bodily injury or which leads to a physical disability or death.
Accidents don't come scheduled. They happen anytime and anywhere. The personal accident policy cover a number of eventualities, including train and road accidents, plane crashes, and even a slip in the bathroom. In the event of happening the policy compensates to meet the expenses incurred during this period subject to maximum of sum insured.
Occupation nature, income level and age are the main factors which play a vital role in determining the sum insured. The sum insured offered is generally the certain times of the annual income.
Yes, Children from the age between 5 years and 25 years can be covered and adults (Self & Spouse) can be covered up to 65 and be renewed till 70 years of age. Parents cannot be covered under the policy.
Yes definitely, A personal accident insurance policy is an insurance contract that covers risk arising from accidents be it at home or outside. An accident insurance policy compensates you with a lump sum amount at the time of need to provide financial support during crisis arisen due to death / disablement of the insured.
Accidents can happen anywhere and at home too, hence she is eligible for cover of 50% of sum insured opted by the proposer.
Family Package cover is available to Individuals under Personal Accident Policy whereby the proposer, spouse and dependent children can be covered under a single policy.
This policy offers compensation in case of death or bodily injury to the Insured Person, directly and solely as a result of an accident, by external, visible and violent means. This personal accident insurance policy would compensate the Insured Person for loss of income in case of temporary or permanent disablement either of partial or total damage. The sum insured will increase by 5% every year and not exceed beyond 25% at the time of renewal for every claim free year.
Yes, in such case guardian of the nominee has to be provided.
The amount of compensation for a partial loss depends on the extent of loss and it is clearly specified under the policy terms and conditions.
An Educational Grant of Rs 10,000 under the entire policy period is paid in case of death or permanent disablement either of the covered parents.
In the event of death of the insured due to an accident outside the residence, the insurance company will bear for the transportation of the mortal remains up to Rs 5,000.
There is NO income tax benefit available against premium paid for Personal Accident Insurance.
The following type of accidents are generally not covered
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The Plans are available on Individual Basis and also on Family Basis. If Family plan is chosen then the Sum Insured shall be available as under: