SALIENT FEATURES OF THE POLICY

The policy has been designed to provide compensation in the event of the insured person sustaining injuries, solely and directly from an

Ø  Accident Caused by Violent, Visible and External means, resulting into

Ø  Death,

Ø  Permanent Total Disablement (PTD)

Ø  Permanent Partial Disablement (PPD)

Ø  Temporary Total Disablement (TTD).

SCOPE OF COVER –

Applicable Worldwide 1. The policy provides for payment of specified amount (benefit) on happening of specified contingency due to the accident.

·         An Accident may include events like: • Rail, Road, Air Accident

·         Injury due to any collision / fall • Injury due to bursting of gas cylinder • Snake bite, Frost bite • Burn injury, Drowning, Poisoning, etc. This is only an illustrative list, not an exhaustive list.

·         In the event of death – 100 % CSI paid 3. In the event of PTD – 100 % CSI paid 4. In the event of PPD - depending of percentage of loss 5. In the event of TTD (Weekly Benefit)– 1% of CSI subject to maximum of Rs.5000 per week up to 100 week. The same may be negotiated for higher limit looking at the group size & premium portfolio of client & other respective factors.

·         Medical Expenses – The policy can be extended to include medical expenses to the extent of 40% of valid claim amount or 10% of Capital SI whichever is less subject to payment of additional premium at the rate of 20% of basic premium. This limit will vary from co. to co.