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| BENEFIT 5 - PERSONAL ACCIDENT |
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The Company shall compensate the Insured for personal accident suffered during a Trip abroad but not exceeding the Sum Insured for the coverage as specified in Part I of the Schedule hereto. |
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The deductible excess in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in Part I of the Schedule to this Policy. |
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An 'accident' is considered to have occurred : |
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| 1. |
If the Insured suffers involuntary damage to his/her as a result of an event that suddenly acts on his/her body from outside. |
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| 2. |
If due to excessive exertion, a joint is dislocated or muscles, ligaments, tendons or capsules are strained or torn. |
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Terms & Conditions :
If the Insured meets with an accident, which leads to death or subsequent disablement of the Insured, the Company will provide insurance coverage to the Insured in the following manner: |
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1.Death of Insured : If following an accident that causes death of the Insured within one year from the date of accident, the Company will pay to the person nominated by the Insured, an amount as compensation subject to the maximum sum insured specified in Part I of the Schedule to the Policy. |
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2.Permanent Disablement of the Insured: If following an accident which caused permanent impairment of the Insured's mental or physical capabilities, the Company will pay the benefits as provided in the Table of Benefits below depending upon the degree of disablement provided that : |
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(a.) |
The disablement occurs within a year of the accident. |
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(b.) |
The disablement must be confirmed and claimed for prior to the expiry of a period of 3 months since occurrence of the disablement. |
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| TABLE OF BENEFITS |
| Benefits |
Compensation % |
| 1 |
Death |
100 |
| 2 |
Loss or Inability to function of |
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(a) |
An arm at the shoulder joint |
70 |
| (b) |
An arm to a point above the elbow joint |
65 |
| (c) |
An arm below the elbow joint |
60 |
| (d) |
A hand at the wrist |
55 |
| (e) |
A thumb |
20 |
| (f) |
An index finger |
10 |
| (g) |
Any other finger |
5 |
| (h) |
A leg above the center of the femur |
70 |
| (i) |
A leg up to a joint below the femur |
65 |
| (j) |
A leg to a point below the knee |
50 |
| (k) |
A leg up to the center of the tibia |
45 |
| (l) |
A foot at the ankle |
40 |
| (m) |
A big toe |
5 |
| (n) |
Some other toe |
2 |
| (o) |
An eye |
50 |
| (p) |
Hearing in one ear |
30 |
| (q) |
Sense of smell |
10 |
| (r) |
Sense of taste |
5 |
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