PERSONAL ACCIDENT INSURANCE

If the Insured Person is hospitalised for a minimum period of 24 hours on the advice of a Doctor on account of an Accidental Bodily Injury, the Cover will pay for the Hospitalisation Expenses incurred by the Insured for the treatment.

If the Accidental Hospitalisation Claim has been accepted, the Add-On Cover will also pay tor the Pre and Post-Hospitalisation Expenses.

This Add-On Cover compensates 1% of Accidental Death Sum Insured to transport the body of the Insured Person from the place of death to the hospital or the cremation or burial grounds.

Basic Personal Accident Policies exclude Accidental Death or Injury caused due to participation of the Insured Person in Adventure Sports like Bungee Jumping, Water Sports etc

However, if you opt for the Adventure Sports Add-On Cover, the Policy would reimburse if the Insured Person dies or suffers from Permanent Disablement on account of an Accident caused due to him participating in Adventure Sports.

This Add-On Cover is really useful for people who are likely to travel abroad and participate in such activities.

If the Insured Person who is the family's breadwinner suffers from Accidental Death or Permanent Disablement, some huge expenses of the family which are pending are likely to suffer a blow.

Children's Education Expense is one such expense. Education Expenses these days are substantial.

A PA Insurance Policy with an Add-On Cover for Children's Education Expenses will pay the specified Sum Insured for Children's Education if the Insured Person suffers from Accidental Death or Permanent Disablement.

If an Insured Person suffers from an Accidental Bodily Injury which results in Permanent Partial Disability preventing the Insured Person from performing his employment duties for a period of 1 month, then the Policy would pay the amount commensurate with the Insured Person's contribution to the EMI in the Loan Account.

This Cover would cease to make the EMI Payments as soon as the Insured Person recovers to the extent that he can perform his employment duties or after a period of 3 months of the Accidental Bodily Injury whichever is earlier.

If the Insured Person sustains an Accidental Bodily Injury resulting in Death or Permanent Total Disablement, then the Loan Protector Cover will pay the Balance Outstanding Loan Amount of the Loan Account specified in the Policy Schedule as on the Date of the Accident as per the Terms and Conditions of the Policy.

If the Insured opts for Loss of Income due to Accidental Disability Add-On Cover as part of the Personal Accident Insurance Policy, the Policy would reimburse the Insured Person a Weekly Benefit of 25% of Monthly income. This Add-On Cover helps the Insured Person replace the Income that he has lost as a result of the Disability caused due to an Accident. The Weekly Benefit is payable for a maximum of 100 weeks.