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 known as CAPP 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

The basic coverages under this policy are as below:

• Accidental Death
  In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.
• Permanent Total Disability
  In the event of accidental injury, causing the insured Permanent Total Disability and such disability has continued for 12 consecutive months, the company will pay the insured the percentage of sum insured as mentioned in the table below:

Benefits	Percentage of Capital Sum Insured
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 accidental injury, causing the insured Permanent Partial Disability and such disability has continued for 12 consecutive months, the company will pay the insured the percentage of sum insured as mentioned in the table below:

Benefits	Percentage of Principal Sum
Loss of toes: all Great: both phalanges Great: one phalanx Other than great, if more than one toe lost, each	20% 05% 02% 02%
Loss of hearing - both ears	60%
Loss of hearing - one ear	30%
Loss of speech	60%
Loss of four fingers and thumb of one hand	40%
Loss of four fingers	35%
Loss of thumb: both phalanges one phalanx	25% 10%
Loss of index finger - three phalanges or two phalanges or one phalanx	10%
Loss of middle finger - three phalanges or two phalanges or one phalanx	06%
Loss of ring finger - three phalanges or two phalanges or one phalanx	05%
Loss of little finger - three phalanges or two phalanges or one phalanx	04%
Loss of metacarpals - first or second, third, fourth or fifth	03%
Sense of smell	10%
Sense of taste	05%
Sight of one eye	50%
One hand One foot	50% 50%

• Age Limit: Any person between 18 - 69 years can buy the policy.
  Dependent children up to 25 years of age can be covered by the policy under family option

Please refer to the Policy Wordings for the complete coverages, exclusions and
terms and conditions of the policy.

* Conditions Apply

This policy does not provide benefits for any death, disability, expense or loss incurred in result of any injury attributable directly or indirectly to the following:

• Intentionally self-inflicted injury, suicide or any attempt threat while sane or insane
• War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kings, princes and people of whatsoever nation condition or quality
• Participation in naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy with foreign or domestic
• Loss sustained or contracted in consequence of the insured being under the influence of alcohol or drugs unless administered on the advice of a physician

* Please note that the maximum liability of the Company in respect of each individual shall be the Sum Insured as per the option selected and in any case shall not exceed 5 times the annual income.

The above is an indicative list of major exclusions only. Please refer to the Policy Wordings for the complete coverages, exclusions and terms and conditions of the policy.

* Conditions Apply