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Benefits

This is an ideal plan providing compensation to individuals against disabilities caused by accidents. This plan provides an option of including spouse & dependent children also. The policy provides coverage on a worldwide basis. Definitely a price worth paying for complete peace of mind.

Benefits:

This plan provides the following additional benefits in addition to basic coverage for accidental death, PTD and PPD:

Weekly Compensation:

Compensates for loss of income due to a disability caused by accident.

Broken Bones:

Fixed compensation in the event of fracture of bones due to an accident.

Modification of Residences / Vehicle:

In the event of permanent total disability, we reimburse the expenses incurred for modifying residential accommodation or own vehicle.

Family Transportation Benefit Covers:

Expenses towards transportation of the family member to the location of the insured incase of accidental death / permanent total disability.

Fee for Private tuition:

Compensation towards the tuition fees if the insured is not able to attend school / college due to an accidental injury.

Hospital Daily Cash:

Provides a daily allowance for hospitalization due to an accident.

Repatriation of Mortal Remains from the accident site to hospital, residence or cremation ground.

Cost of Cremation Ceremony to perform religious ceremonies up to the time of or post-cremation.

* Conditions Apply

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Sum Insured Eligibility

  • The maximum SI offered is the insured person's income for 60 months subject to a maximum of RS 1 crore
  • A signed proposal form will be collected if SI is up to RS 25 lacs
  • If SI is more than RS 25 lacs, a signed proposal form and income proof (salary slip / income tax return) will be collected with ID proof
    (Pan Card / Driving License / Passport / Adhar Card / Employee ID)
Coverage Table - Self
Sum Insured (RS)
5,00,000
7,50,000
10,00,000
15,00,000
20,00,000
25,00,000
50,00,000
75,00,000
1,00,00,000
Annual Income
Eligibility (RS)
50,000 75,000 1,00,000 1,50,000 2,00,000 2,50,000 5,00,000 7,50,000 10,00,000
For Self Only Policy Coverage (RS)
Accidental Death 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
Permanent Total Disability 5,00,000 7,50,000 10,00,000 10,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
Permanent Partial Disability 2,50,000 3,75,000 5,00,000 7,50,000 10,00,000 12,50,000 25,00,000 37,50,000 50,00,000
Weekly Indemnity (Max 100 Weeks) 5,000/week 5,000/week 5,000/week 5,000/week 5,000/week 5,000/week 7,500/week 7,500/week 7,500/week
Broken Bone 50,000 50,000 50,000 50,000 50,000 50,000 1,00,000 1,00,000 1,00,000
Vehicle Modification 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000 2,00,000 2,00,000 2,00,000
Cost of Transporting Mortal
Remains
6,000 6,000 6,000 6,000 6,000 6,000 6,000 6,000 6,000
Cost of Death Ceremony 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000
Ambulance Charges 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000
Family Transportation Benefit 5,000 5,000 5,000 10,000 10,000 10,000 15,000 15,000 15,000
Hospital Daily Cash 500/day 500/day 500/day 500/day 500/day 500/day 1,000/day 1,000/day 1,000/day
Premium
(with Hospital Daily
Cash)
1,479 1,733 1,988 2,498 3,007 3,519 6,525 9,075 11,623
Premium
(without Hospital Daily
Cash)
1,020 1,274 1,530 2,039 2,551 3,058 5,914 8,463 11,063
 
Coverage Table - Family (Self + Spouse + up to 2 Children)
Sum Insured (RS)
5,00,000
7,50,000
10,00,000
15,00,000
20,00,000
25,00,000
50,00,000
75,00,000
1,00,00,000
For Self Only Coverage for self is as per table overleaf. Coverage for spouse and children is listed below
Accident Death- Spouse 2,50,000 3,75,000 5,00,000 7,50,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000
Permanent Total
Disability - Spouse
2,50,000 3,75,000 5,00,000 7,50,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000
Permanent Partial
Disability - Spouse
1,25,000 1,87,000 2,50,000 3,75,000 5,00,000 5,00,000 5,00,000 5,00,000 5,00,000
Accidental Death -
per child
50,000 75,000 1,00,000 1,50,000 2,00,000 2,50,000 5,00,000 5,00,000 5,00,000
Permanent Total
Disability - per child
50,000 75,000 1,00,000 1,50,000 2,00,000 2,50,000 5,00,000 5,00,000 5,00,000
Permanent Partial
Disability - per Child
25,000 37,500 50,000 75,000 1,00,000 1,25,000 2,50,000 2,50,000 2,50,000
Tuition Fees Per child -
RS 250 per day
5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000
Coverage Under cost of Transporting Mortal Remains, Cost of death ceremonies and ambulance charges are same as under self
Hospital Daily Cash
(up to 30 days) - Optional Cover
500/day 500/day 500/day 500/day 500/day 500/day 1000/day 1000/day 1000/day
Premium
(with Hospital Daily
Cash)
2,294 2,753 3,161 4,027 4,894 5,455 9,075 11,624 14,224
Premium
(without Hospital Daily
Cash)
1,530 1,988 2,397 3,262 4,129 4,690 8,055 10,605 13,205

All premium shown above includes Service Taxes at current applicable rates of 12.36%