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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
Individual Personal Accident Policy in India
 
(1) Personal Accident Insurance Policy (Plan)   (2) Policy Wording /Proposal Form/ Brochure
(3) Product details of Various Companies for Personal Accident Insurance/Policy
 
General/Health Insurance Companies Products
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1- Personal Accident Insurance Policy (Plan)
Family Package Cove :
Family Package Cover can be granted on the following pattern :
(i)Earning Member (Person (Insured)and Spouse if earning C.S.I. for each as per norms given.
(ii) Spouse : (if not earning member) 50% of the Capital Sum Insured of the earning member or Rs. 1 Lakh whichever is lower.
(iii) Children (between the age of 5 years and 25 years) 25% of the Capital Sum Insured of either earning member or Rs. 50,000/- whichever is lower per child
Note :
1. For Children the maximum cover shall be limited to Death and Permanent Disablement (total and partial)i.e. upto Table B benfits only.
2. A discount of 10% may be granted on the gross premium under the Family Package Cover.
3. Where Sum Insured petaining spouse works out to less than the Sum Insured allowable, if such spouse was not earning the Later Sum Insured may be allowed.
EXTENSTION COVER :
The policy can be extended to include reimbursement medical expenses to the extent of 40% of the valid claim amount or 10% of Capital Sum Insured whichever is less subject to payment of additional premium at the rate of 20% of basic premium.
RISK GROUP I :
Accountants, Doctors, Lawyers, Architects, Consulting Engineers, Teachers, Bankers, Person engaged in administrative functions and persons primarily engaged in occupation of similar hazard.
RISK GROUP II :
Builders, Contractors and Engineers engaged in superintending functions only, Veterinary Doctors, paid drivers of motor cars and light motor vehicles and person engaged in occupation of similar hazard and not engaged in manual labour.
All persons engaged in manual labour (except those falling under group iii) cash carrying employees, Garage and Motor Machanics, Machines operators, Drivers of trucks or lorries and other heavy vehicles, Professional Athletes and Sportsmen, woodworking Machinists and persons engaged in occupations / activities of similar hazards.
RISK GROUP III :
Persons working in underground mines, Explosives Magazines, Workers involved in electrical Installation with high tension supply Jockeys, Circus Personnel, Persons engaged in activites like racing on wheels or horse back, big game, hunting, mountaineering, winter sports, skiing, ice hockey, ballooning, polo and persons, engaged in occupations/activities of similar hazard.
Note : Occupations not included in the above will be decided by insurer depending upon the merits of each case.
EXCLUSION
The policy does not cover death, injury or disablement resulting from :
(a) Service on duty with any Armed Force.
(b) Intentional self injury, suicide or attempted suicide, insanity, venerals disease or the influence of intoxicating drink or drugs.
(c) Medical or Surgical treatment (except where such treatment is rendered necessary within the scope the Policy.)
(d) Aviation other than as a passenger (fare-paying or otherwise) in any duly licenced standard type of aircraft any where in the world.
(e) Nuclear radiation of nuclear weapons materials.
(f) Nuclear radiation of nuclear weapons materials.
(g) Any consequence of War, Invasion, Act of Foreign Enemy, Hostilites (whether war be declared or not) Civil war, Rebelion, Revolution, Insurrection, Mutiny Military or Usurped Power, Sezure, Capture, Arrests, Restraint and Detainments of all Kings, Princes and People of whatsoever nation condition or quality.
(h) Child birth, Pregnancy or other Princes and People of whatsoever nation condition or quality.
(i) Child birth, Pregnancy or other Physical causes peculiar to the female sex.
(j) Whilst committing any breach of low with criminal intent.
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