Personal Accident

The basic coverages under this personal accident 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 twelve (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 and complete loss of speech 100%
Complete loss of hearing in 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 twelve (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 to 69 years can buy the policy. Dependent children up to 25 years of age can be covered in the policy under family option

Please refer to the policy wordings for complete details on coverage, exclusions, terms and conditions.