Our personal accident insurance provides 24*7 worldwide coverage for accidental death, even after office hours. You do not need to be on work to claim. However, death should not be self-inflicted or a suicide
Compensation is paid to the family member of the employee upto 100% sum assured or agreed policy terms
Children education benefit is paid to the nominee for maximum of 2 dependent children of insured.
Permanent Disabilities Covered
Our personal accidental insurance plan pays a pre-specified proportion as per the policy terms of the sum assured based on the extent of disability. The permanent disability may be total or partial in nature
In case of permanent total disability such as loss of both limbs, the entire sum assured is paid
In case of partial disability such as loss of a single limb, a pre-specified part of sum assured is paid.
Temporary Total Disabiities Covered
In case of a temporary total disablement such as spinal cord damage, due to which employee becomes bed ridden or is unable to come to office, a fixed weekly benefit is paid in order to compensate for such a loss
Standard weekly benefit is Rs 5,000 for 52 weeks and can be enhanced to Rs 25,000 for 104 weeks
Cover for medical expenses such as fractures, which are typically not covered in other insurances.