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 Corporate > Health > Group PA |
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Cholamandalam | | | | |  | Accidental Death: In case of injury resulting in loss of life of the Insured within one calendar year after the date of Accident, the company will pay the Principal Sum | | Permanent Total Disability: In the event of an Injury causing a Permanent Total Disability to the Insured and such disability continues for a period of 12 consecutive months, this policy will pay compensation of maximum of 100 % of the Principal Sum
| Loss of sight of both eyes. | 100 % | | Loss of two entire hands or two entire feet. | 100 % | | Loss of one entire hand and one entire foot. | 100 % | | Loss of sight of one eye and such loss of one entire foot, or hand. | 100 % | | Complete loss of hearing of both ears & complete loss of Speech. | 100 % | | Complete loss of hearing of both ears or complete loss of speech and loss of one limb or loss of sight of one eye. | 100 % | | | Permanent Partial Disability:In the event of an Injury causing a Permanent Partial Disability to the Insured and such disability continues for a period of 12 consecutive months, this policy will pay compensation of maximum of 100 % of the Principal Sum. Compensation of 2 % to 60 % of the Principal Sum depending upon the disability
| Loss of thumb, finger, toes, one hand, one foot. | | Loss of hearing - both ears. | | Loss of hearing one ear. | | Loss of speech. | | Loss of speech, sense of smell, sense of taste, sight in one eye. | | | Weekly Benefit: The policy provides weekly compensation (1% of Principal Sum or Rs. 5000, whichever is lower, for maximum 100 weeks) to you or your family in the event that you are not in a position to earn due to a disability caused by an accident | | Medical Reimbursement: You or your family will be reimbursed the cost of treatment and the use of hospital facilities for treatment of your injury. The compensation under this benefit is lower than 40% of the admissible claim amount or 10% of the Principal Sum or the actual medical expenditure | | Education Benefit: In the unfortunate event of loss of life or permanent total disability, the policy provides compensation to your children or legal spouse to continue education. The compensation under this is 10% of Principal Sum up to a maximum of Rs. 25,000 | | Modification of residential accommodation and own vehicle: Permanent Total Disability arising from an accident could sometimes demand a change in lifestyle. In order to meet these requirements you might have to invest or modify your existing vehicle or invest in making some changes in your house (shifting to ground floor or change in staircase). Cholamandalam shall reimburse 10% of the Principal Sum up to a maximum of Rs. 50,000 towards this | | Ambulance Hiring Charges (in-built cover): You will be reimbursed up to Rs. 1,000 for ambulance hiring charges in the event of an accident | | Transportation of mortal remains (in-built cover): The policy reimburses up to 3% of Principal Sum up to a maximum of Rs. 6,000 to the family, towards the cost of moving mortal remains from the accident site to hospital, residence or cremation grounds | | Broken Bones: Personal Accident Insurance from Cholamandalam is a unique policy that offers cover for fractures in the event of an accident. The Principal Sum under this can be 10% of Principal Sum under Death cover or maximum of Rs. 50,000 | | The principal sum chosen could vary from Rs. 1 lakh to Rs. 3 crore based on the income. | | The policy is open to all age groups (6 months to 70 years) | | Broken Bones: Personal Accident Insurance from Cholamandalam is a unique policy that offers cover for fractures in the event of an accident. The Principal Sum under this can be 10% of Principal Sum under Death cover or maximum of Rs. 50,000 | | Terrorism Coverage. | | | Please refer to the Policy Wordings for the complete coverages, exclusions and terms and conditions of the policy. | | | | | | | | | | | Any existing disablement while taking the Policy for the first time | | | Death or disablement due to intentional self injury | | | Suicide | | | Death or disablement under influence of liquor or drug | | | Natural death | | | Pregnancy or child-birth | | | Venereal disease | | | Insanity | | | Breach-of-law with or without criminal intent | | | War & nuclear perils | | | In aircraft except as a passenger | | | Congenital Disease | | | Please refer to the Policy Wordings for the complete coverages, exclusions and terms and conditions of the policy. | | | | | |
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