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National Insurance Personal Accident Policy

Annual Premium (Rs.)
per Rs 1000 Sum Insured
Risk Class*
Normal riskMedium riskHeavy risk
Death benefit only0.40.60.9
Death benefit, Loss of two limbs, two eyes or one limb and one eye, Loss of one limb or one eye and Permanent total disablement0.450.651.5
All benefits mentioned above and Permanent partial disablement0.91.251.9
All benefits mentioned above and Temporary total disablement1.523
Various risk classes*
Normal Risk:Bureaucrats, Doctors, Lawyers, Accountants, Architects, Bankers, Consulting Engineers, Teachers, Persons engaged in administrative functions, persons primarily engaged in occupations of similar hazard.
Medium Risk:Builders, Contractors, Engineers engaged in superintending functions only, Veterinary Doctors, Paid Drivers and Persons engaged in occupations of similar hazard and not engaged in manual labor. All persons engaged in manual labor (except those falling under heavy risk), cash carrying employees, Garage and Motor Mechanics, Machine Operators, Drivers of Heavy Vehicles, Professional Athletes and Sportsmen and Wood working Machinist and persons engaged in any occupations of similar hazard.
Heavy Risk:Persons working in underground Mines, Explosive, Magazines, Workers involved in electrical installation with High-tension supply, jockeys, Circus personal, persons engaged in activities like racing on wheels or Horse back, big game hunting, Mountaineering, Winter Sports, Skiing Ice Skating, Ballooning, Hang gliding, River Rafting, Polo playing and persons engaged in occupations/activities of similar hazards.