Do you know you are already covered under personal accident policy without paying any premium?

Do you know you can get weekly compensation from insurance company if you are temporary disabled due to accident? And can also recover treatment cost from insurance company?

Do you know, if you are driving your car and met with an accident, you or your family can claim under personal accident policy for Rs. 15 Lacs from insurance company?

Do you know you can cover your employees for 50 lacs sum insured by paying merely Rs. 60/- to 100/- per person monthly in group personal accident policy?

The Personal Accident insurance policy has incredibly unique features. This is a profit policy it means you can take claim in all your personal accident policies. This comes with the great features in an extremely low premium. Most of the people are already covered under this policy but they are not aware about it. In absence of proper knowledge, they or their families do not lodge a claim with insurance company.

You have personal accident coverage,

1. If you are owner of a car or a motorcycle. The sum insured under this policy is 15 Lacs. In case you met with an accident while driving your car or motor cycle, you or your family members are entitled to claim under this policy.
2. If you are travelling by air or by train, there are also an option for personal accident to choose in.
3. If you have a credit card or a debit card of any bank there are high chance that you are covered under personal accident policy.
4. Some big social organizations, clubs and political parties also cover their members under this policy.
5. Some states run transports also cover bus passengers under this policy.

So, in India most of the people are covered under the policy but due to lack of knowledge they do not take claim under this policy.

What are the benefits under this policy?

1. Death
2. Permanent Total Disablement
3. Permanent Partial Disablement
4. Temporary Total Disablement

Extensions:

1. Cover for Expenses related to Burns
2. Modification of residential accommodation & vehicle
3. Repatriation of Mortal Remains
4. Ambulance Charges
5. Transportation Allowance (Compassionate visit)
6. Travel Expenses for Medical Treatment Catastrophe
7. Evacuation: Cost of Clothing Damage
8. Loss of Job Cover
9. Improved Disability Benefit/ Dismemberment
10. Daily Cash Allowance:
11. Carriage of Dead Body
12. On Duty Cover
13. Children's Education Grant
14. Accidental Hospitalization Expenses
15. Mysterious disappearance
16. Treatment outside India (along with travelling cost & boarding & lodging of the attendant):
17. Medical Expenses Out Patient Department (OPD) expenses
18. Loss/damage to School Bag/Books
19. Widowhood Cover
20. Purchase of Blood
21. Prosthesis & Artificial Limbs
22. Broken Bones
23. Legal Expenses

Table	Coverage	Sum Insured Payable
A	Accidental Death	100%
B	(A) + Loss of Two Limbs, Two eyes or one limb and one eye	100%
	Loss of One Limb or One Eye	50%
	Permanent Total Disablement (PTD) from injuries other than those named above	100%
C	C = (A) + (B) + Permanent Partial Disablement (PPD)	Benefits as per various scenarios
D	(A) + (B) + (C) + Temporary Total Disablement (TTD)	1% of S.I. Or Rs. 5000/-per week or actual salary which ever is less

1	Children Education fund for dependent children in case of Death or Permanent total disability of Employee will be covered upto 10,000/­ per child ( Restricted to 2 children max 25 Years of age)
2	D1 = (A) + (B) + (C) + Temporary Total Disablement (TTD) 1% of S.I. Or Rs.5,000/=per week or actual weekly salary which ever is less
3	Medical expenses 40% of death/disability claim amount or 10% of SI or actual whichever is less triggered only when claim is admissible under benefit table A,B,C  or D1
4	Repatriation of mortal remains covered upto Rs. 10,000/­ or actual whichever is less
5	Carriage of Dead Body 2% of SI subject to max to Rs 2,500/­

What is the exclusion?- The situation where you are not entitled to claim in this policy.

1.Suicide, attempt to Suicide or intentionally, self-inflicted injury, sexually transmitted conditions,

mental disorder, anxiety, stress or depression.

2.Being under influence of drugs, alcohol, or other intoxicant on or hallucinogens.

3.Participation in actual or attempted felony, riot, civil commotion, crime misdemeanour. 4.Committing any breach of law of land with criminal intent.

5.Death or disablement resulting from Pregnancy or childbirth.

6.Perils of the sea are excluded from the scope of the policy.

7.Professional sports team in respect of specific benefit for inability to perform.

8.Participation in any kind of motor speed contest.

9.While engaged in aviation, or whilst mounting or dismounting from or traveling in any aircraft. (Not

applicable for fare Paying Passengers).

10.Underground mining & contractor specializing in tunnelling.

11.Naval, military or air force personnel.

12.Radioactivity, Nuclear risks, ionizing radiation.

13.Risk Category III people are out of the scope of the policy.

14. Persons working in mines, explosives, Electrical installations on high tension lines, Racing, Circus

People, skiing, mountaineering, big game hunting, ballooning, hang gliding, river rafting, winter

sports, skiing, ice hockey ,polo & such other persons engaged in occupation of similar hazard.

Most of the organizations/companies cover their employees under the group personal accident policy. The premium depends upon the size of groups and profession of the employees. The tentative monthly cost per person comes from 60/- to 100/- for 50 lacs Sum insured. For best quote you may contact us.