Individual Personal Accident covers you against accidental death and disability. If the accident leads to the untimely death of the Insured, this Policy will provide complete financial security to the Insured’s family members. The Policy also covers eventualities where though the insured person survives an accident, he is crippled for the rest or part of his life. In such cases, the Policy will pay a fixed percentage of Sum Insured depending upon the type of disablement.
Important benefits of taking personal accident insurance
- Accidental Death
- Accidental Disability
- Accidental Dismemberment
- Daily cash on hospitalization
- Education Benefit
- Employment Benefit
Advantage of taking personal accident insurance
- Worldwide coverage
- Child education benefit
- Lower premium
- No medical test required for above age 50
- On payment of additional premium, the policy will cover medical expenses also.
If you are not involved in any activity that is hazardous like aviation, ballooning etc, and you are not a member of the armed forces and you fall within the specified age limits (5 to70 years), you can apply for this Policy and get complete protection for yourself and your family members.
General Exclusions:
Suicide, self-inflicted injury, pregnancy or childbirth, pre-existing physical or mental defects, infections, bleeding from inner organs, aviation other than as a passenger, motor rallies, war, civil war, terrorism or similar situations
Following documents are required for Accidental death / Disablement claim
- Death Certificate
- Post-mortem certificate
- FIR report
- Medical certificate
