General Insurance

Accident Cover

Eligibility Criteria

Minimum Entry Age 5 Months for child; 18 years for adult
Maximum Entry Age 70 years of age
 

Highlights

  • Covers for accident death, permanent disability and temporary disablement
  • Compensation for Permanent Total disablement is 150% of Sum Insured
  • Enhanced weekly compensation up to Rs. 15,000/- per week (maximum 100 weeks)
  • Educational grant for dependent children
  • Cumulative bonus 5% per annum maximum 50%
 

Product Features

Accidental Death

Pays the nominated family member the sum insured for the tragic loss and provides for financial support to the family
This plan covers for accidental death up to sum insured
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
The limit of company’s liability is Rs. 5,000/- only during the policy period.
Child Education

In the event of an accident resulting in insured’s demise or PTD, company will take care of child’s education, ensuring that their future is not compromised.
Maximum of Rs. 10,000/- per child up to 2 children in case of death/ permanent total disability of the insured person
Purchasing blood

An insured person might require blood from blood bank or from any hospitals
Up to 5% of total sum insured subject to maximum of Rs. 10,000/- towards the expenses incurred in purchasing blood through a hospital or government approved blood bank
No-claim Bonus

If the policyholder does not make any claim during the year, he is entitled to a bonus in addition to his sum insured
With every claim-free year, the plan provides an additional 5% bonus on sum insured.
 

Exclusions

  • Any pre existing injury or physical condition.
  • Any intentional self inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress or depression
  • Insured Person serving in any branch of the military, navy or airforce or any branch of armed forces or any paramilitary forces.
  • Any claim related to hazardous activities.
  • Claim arising out of mental illness, stress, psychiatric or psycho logical disorders.