Personal Accident
  • Chola MS personal accident insurance policy offers cover from ₹5.0 Lakhs to 1.0 Crore.
  • This insurance is available for dependent children up to 25 years and adults age group of 18-69 years.
  • Premium shown in the link below is inclusive of 18% GST.
Coverage Table - Self
Sum Insured 5 Lacs 7.5 Lacs 10 Lacs 15 Lacs 20 Lacs 25 Lacs 50 Lacs 75 Lacs 1 Crore
Annual Income Eligibility - Five times of Sum Insured 1 Lacs 1.5 Lacs 2 Lacs 3 Lacs 4 Lacs 5 Lacs 10 Lacs 15 Lacs 20 lakhs
Policy Coverage
Accidental Death 5 Lacs 7.5 Lacs 10 Lacs 15 Lacs 20 Lacs 25 Lacs 50 Lacs 75 Lacs 1 Cr
Permanent total Disability 5 Lacs 7.5 Lacs 10 Lacs 15 Lacs 20 Lacs 25 Lacs 50 Lacs 75 Lacs 1 Cr
Permanent Partial Disability 2.5 Lacs 3.75 Lacs 5 Lacs 7.5 Lacs 10 Lacs 12.5 Lacs 25 Lacs 37.5 Lacs 50 Lacs
Weekly Indemnity 5,00000 5,00000 5,00000 5,00000 5,00000 5,00000 7,50000 7,50000 7,50000
Broken Bone 50,000 50,000 50,000 50,000 50,000 50,000 1 Lacs 1 Lacs 1 Lacs
Modification of Residence Vehicle 1 Lacs 1 Lacs 1 Lacs 1 Lacs 1 Lacs 1 Lacs 2 Lacs 2 Lacs 2 Lacs
Cost Of Transporting Mortal Remains 6000 6000 6000 6000 6000 6000 6000 6000 6000
Cost of Performane of Death Ceremonies 5000 5000 5000 5000 5000 5000 5000 5000 5000
Ambulance Hiring Charges 1000 1000 1000 1000 1000 1000 1000 1000 1000
Family Transportation Benefit 5000 5000 5000 5000 10,000 10,000 10,000 15,000 15,000
Hospital Daily Cash (Upto 30 days) - Optional Cover 500/day 500/day 500/day 500/day 500/day 500/day 500/day 500/day 500/day
Premium Including GST 18% (With Hospital Daily Cash)- Without Terrorism Covered 1553 1820 2088 2623 3158 3695 6853 9531 12206
Premium Including GST 18% (Without Hospital Daily Cash) - Without Terrorism Covered 1071 1338 1607 2141 2679 3213 6210 8888 11618
Premium Including GST 18% (With Hospital Daily Cash)- With Terrorism Covered 1631 1911 2192 2755 3316 3879 7195 10007 12817
Premium Including GST 18% (Without Hospital Daily Cash) - With Terrorism Covered 1125 1405 1687 2248 2813 3373 6520 9332 12199

Above premium includes GST at 18%

The company may, from time to time and subject to IRDA approval, revise premium rates based on experience

The premium rates, terms and conditions at the time of renewal shall apply

Coverage Table - Family (Self + Spouse + Upto 2 Children)
Sum Insured 5 Lacs 7.5 Lacs 10 Lacs 15 Lacs 20 Lacs 25 Lacs 50 Lacs 75 Lacs 1 Crore
Annual Income Eligibility - Five times of Sum Insured 1 Lacs 1.5 Lacs 2 Lacs 3 Lacs 4 lacs 5 lacs 10 lacs 15 lacs 20 lacs
Coverage for self is as per table overleaf.Coverage for spouse and children is listed below
Accident Death - Spouse 2.5 Lacs 3.75 Lacs 5 Lacs 7.5 Lacs 10 lacs 10 lacs 10 lacs 10 lacs 10 lacs
Permanent Total Disablity - Spouse 2.5 Lacs 3.75 Lacs 5 Lacs 7.5 Lacs 10 lacs 10 lacs 10 lacs 10 lacs 10 lacs
Permanent Partial Disablity - Spouse 1.25 Lacs 1.87 Lacs 2.5 Lacs 3.75 Lacs 5 Lacs 5 Lacs 5 Lacs 5 Lacs 5 Lacs
Accident Death - Per child 50000 75000 1 Lac 1.5 Lac 2 Lac 2.5 Lacs 2.5 Lac 5 Lac 5 Lac
Permanent Total Disablity - Per child 50000 75000 1 Lac 1.5 Lac 2 Lac 2.5 Lacs 2.5 Lac 5 Lac 5 Lac
Permanent Partial Disablity - Per Child 25000 37500 50000 75000 1 Lacs 1.25 Lacs 1.25 Lac 2.5 Lac 2.5 Lac
Tution Fees Per child -₹ 250 Per day 5000 5000 5000 5000 5000 5000 5000 5000 5000
Coverage Under cost of Transponding Mortal Remains, Cost of peformance of death ceremonies & ambusance hiring charges are same as under self
Hospital Daily Cash (Upto 30 days) - Optional Cover 500/day 500/day 500/day 500/day 500/day 500/day 1,000/day 1,000/day 1,000/day
Premium Including GST 18% (With Hospital Daily Cash)- Without Terrorism Covered 2409 2891 3320 4229 5140 5729 9531 12207 14938
Premium Including GST 18% (Without Hospital Daily Cash) - Without Terrorism Covered 1607 2088 2517 3426 4336 4925 8459 11136 13867
Premium Including GST 18% (With Hospital Daily Cash)- With Terrorism Covered 2530 3036 3486 4441 5397 6015 10007 12818 15685
Premium Including GST 18% (Without Hospital Daily Cash) - With Terrorism Covered 1687 2192 2643 3597 4553 5172 8882 11693 14560

Above premium includes GST at 18%

The company may, from time to time and subject to IRDA approval, revise premium rates based on experience

The premium rates, terms and conditions at the time of renewal shall apply

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Cholamandalam MS, a General Insurance Company in India, offers a wide range of insurance policies for individuals and corporates.

For individuals, there are products like Car Insurance, Travel Insurance, Two Wheeler Insurance, Health Insurance, Personal Accident Insurance, Crop Insurance and Home Insurance. For SME's and Corporate Insurance clients, Chola MS offers customized insurance solutions encompassing insurance and risk consulting services such as Group Mediclaim Insurance, Group Personal Accident Policy, Engineering Projects Insurance, Engineering Operations Insurance, Liability Insurance, Marine Insurance, Fire Insurance and other Miscellaneous Insurance Solutions.

All Rights Reserved. Cholamandalam MS General Insurance Company Ltd. Insurance is the subject matter of solicitation. Reg office: 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai - 600001, India. IRDAI Registration Number : 123. Trade logo displayed above belongs to ‘CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED” (formerly known as TI financial holdings limited) and Mitsui Sumitomo Insurance Company Limited and used by Chola MS under license. CIN : U66030TN2001PLC047977.

Important Message: By submitting your contact information on forms on our website, you agree to be contacted by our Customer Service Representatives.
The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale