This is a standalone personal accident policy that will pay in an unfortunate instance of death or permanent total disability caused due to an accident. On paying extra premium, the insurer can also provide for medical expenses and daily cash in case of hospitalisation.
Additional cover for hospitalisation expenses and daily cash benefit will enhance the cover.
This policy can be bought online.
It does not cover temporary disablement.
| Scope Of Cover | |
| Accidental Death | covered |
| Accidental Permanent Total Diability | covered |
| Optional Benefits (require payment of extra premium) | |
| Accidental Hospitalisation Expenses | reimburses as per limits given below:upto Rs 10000 for 3 lakh coverupto Rs 25000 for 5 lakh coverupto Rs 50000 for 10 and 15 lakh upto Rs 1 lakh for 20 and 25 lakh cover |
| Accidental Hospital daily Allowance | covered; pays daily cash upto maximum of 30 days. Rs 1000 per day for sum insured upto 5 lakh and Rs 2000 per day for higher Sum insured |
| Exclusions and Waiting Period | |
| Pre-existing disease | not covered |
| General exclusions | accident caused due to adventourous sporting such as bunjee jumping, biking, etc. |
| Annual Premium Option for basic cover | ||||||
| Policy Term (in years) | Sum Insured (in Rs) | |||||
| 3 lakh | 5 lakh | 10 lakh | 15 lakh | 20 lakh | 25 lakh | |
| 1 | 326 | 543 | 1087 | 1630 | 2173 | 2716 |
| 3 | 904 | 1508 | 3015 | 4523 | 6032 | 7539 |
| 5 | 1385 | 2309 | 4618 | 6926 | 9235 | NA |
| Premiums are exclusive of service tax | ||||||
| Annual Premium Option for basic cover + Accidental Hospitalisation Expenses | ||||||
| Policy Term (in years) | Sum Insured (in Rs) | |||||
| 3 lakh | 5 lakh | 10 lakh | 15 lakh | 20 lakh | 25 lakh | |
| 1 | 514 | 1015 | 1643 | 2186 | 2824 | 3369 |
| 3 | 1485 | 2963 | 4734 | 6242 | 8044 | 9551 |
| 5 | 2373 | 4782 | 7538 | 9848 | 12656 | NA |
| Premiums are exclusive of service tax | ||||||
| Annual Premium Option for basic cover + Accidental Hospital Daily Allowance | ||||||
| Sum Insured (in Rs) | ||||||
| Policy Term (in years) | 3 lakh | 5 lakh | 10 lakh | 15 lakh | 20 lakh | 25 lakh |
| 600.75 | 817.91 | 1635.81 | 2179.6 | 2723.39 | 3266.29 | |
| 3 | 1666.96 | 2270.38 | 4540.76 | 6049.31 | 7556.96 | 9063.72 |
| 5 | 2554.29 | 3477.22 | 6955.32 | 9263.08 | 11572.62 | 13882.16 |
| Premiums are exclusive of service tax | ||||||
