Personal Accident

Personal Accident

Personal Accident

Accidents can happen any where any time. Whether you are at work, on the road, travelling or even at home. But when you insure yourself with us, you cover yourself and your loved ones with safety at a very nominal yearly premium.

TABLE OF BENEFITS
 
Sr Description Table Benefits covered

Rate per Mills

Risk Group I Risk Group II Risk Group III
1 Death only (100% of Capital Sum Insured) I 1
0.45 0.60 0.90
2 Loss of Two Limbs, Loss of sight of two eyes or Loss of one Limb and Loss of sight of eye (100% of Capital Sum Insured)    
     
3 Loss of one limb or loss of sight of one eye (50% of Capital Sum Insured)    
     
4 Permanant Total Disablement from injuries other than named above (100% of Capital Sum Insured) II 1 to 4
0.65 0.90 1.30
5 Permanant Partial Disablement %age as shown below III 1 to 5
0.95 1.25 1.75
6 Temporary Total Disablement 1% of Capital Sum Insured 100 weeks (max, weekly benefits not exceeding Rs 3000/- ) IV 1 to 6
1.50 2.00 3.00
 
PARTS LOST Compensation in %age of Capital Sum is insured PARTS LOST Compensation in %age of Capital Sum is insured
i Loss of Toes - All

- Great-both Phalanges

- Great-one Phalanx

- Other than Great, if more than one-toe lost each		 20

5

2

1
ii Loss of Hearing - Both ears 50
iii Loss of Hearing - one ear 15
iv Loss of 4 fingers and thumb of one hand 40
v Loss of 4 fingers 35
vi Loss of Thumb - both Phalanges

- one Phalanx		 25

10
vii Loss of index finger - Three Phalanges

- Two Phalanges

- One Phalanx		 10

8

4
viii Loss of Middle Finger - Three Phalanges

- Two Phalanges

- One Phalanx		 6

4

2
ix Loss of Ring finger - Three Phalanges

- Two Phalanges

- One Phalanx		 5

4

2
x Loss of little finger - Three Phalanges

- Two Phalanges

- One Phalanx		 4

3

2
xi Loss of Metacarples - 1st or 2nd additional

- 3rd, 4th or 5th (additional)		 3

2
xii Any other permanant partial disablement % age as assessed by the Doctor
 

 

RISK GROUP I:

Accountants, Doctors, Lawyers, Architects, Consulting Engineers, Teachers, Bankers, Person engaged in Administrative functions, Persons primarly engaged in occupations of similar hazard.

 

RISK GROUP II:

Builders Contractors and Engineers engaged in superitending functions only, Veterinary Doctors, Paid drivers of Motor cars and Light Motor Vehicles and persons engaged in occupations of similar hazard and not engaged in manual labour.

All persons engaged in Manual labour (except those failing under Group III) Cash carrying employees, Garage and Motors machanics, Machine Operators, Drivers of truck or Lorries and other Heavy vehicles, Professional athletes and Sportsman, woodworking machanists and persons engaged in occupations of similar hazard.

 

RISK GROUP III :   

Persons working in underground mines, explosives, magazines, workers involved in electrical installation with high tension supply, Jockeys, Circus personnel, persons engaged in activities like racing on wheels or horseback, big game hunting, Mountaineering, wintersports, skiing, ice hockey, ballooning, hand gliding, riverrafting, polo and persons engaged in occupation / activities of similar hazard.

 

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