Key Benefits
• Coverage against Accidental Death or Permanent Total Disablement (PTD) due to an accident
• Optional coverage against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance
• Customised coverage that allows you to choose between Rs 3 Lakhs, Rs 5 Lakhs, Rs 10 Lakhs, Rs 15 Lakhs, Rs 20 Lakhs and Rs 25 Lakhs Sum Insured
• The policy covers different types of accidents like road, rail accidents, accidents due to natural calamities and arising out of terrorism/ terrorist acts.
• No health check-up required for policy issuance
• Worldwide coverage of the policy
• Easy Claim Process with minimal documentation
• Buy Online and pay in EMIs without any extra charges*
* EMI facility available only for ICICI Bank, Citibank, HDFC Bank (upto 6 months) credit card customers at the sole discretion of the Banks.
Eligibility and Coverage
Eligibility
• The customer can buy the policy for any family member(s) i.e. spouse, children and / or parents
• Any person between 18-80 years of age is eligible for insurance
• The Proposer needs to be aged above 18 years
What is covered?
Accidental Death*: In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.
Permanent Total Disablement (PTD)*: Individual Personal Protect pays compensation against the permanent and total loss of limbs, sight etc.
Accidental Hospitalisation Expenses Reimbursement*: Medical expenses incurred in case of Hospitalisation (minimum of 24 hrs), due to injury, within 7 days from the date of accident
Accidental Hospital Daily Allowance: Per day allowance paid to Insured person each day during Hospitalisation after the Insured event, not exceeding 30 days of Hospitalisation, deductible of 1 day
Note: If any such injury as mentioned above shall result in the inability to remain gainfully employed, then the Capital Sum Insured payable will be 100%.
* Within 12 months from date of accident
What is not covered
The Company shall not be liable under this policy for:
• Compensation / Claim under both Cover 1 and Cover 2 as mentioned above.
• Claims arising from sickness/illness
Death, injury or disablement of Insured Person as a result of
• From intentional self-injury, suicide or attempted suicide
• Whilst under the influence of intoxicating liquor or drugs
• Whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world
• Directly or indirectly caused by venereal disease or insanity
• Arising or resulting from the Insured committing any breach of the law with criminal intent
• War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kinds
• Nuclear weapon induced treatment
• Child birth or pregnancy or in consequence thereof
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