Personal Accident Insurance Policy

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.

Accountants, Doctors, Lawyers, Architects, Consulting Engineers, Teachers, Bankers, Person engaged in administrative functions and persons primarily engaged in occupation of similar hazard.

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.

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.

(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.

1) The cover is worldwide.
2) The capital sum insured shall be fixed at the commencement of the policy No change in the C.S.I. is permissible      during the currency of policy.
3) Occupation not included in the above will be decided by insurer depending upon the merit of each case in      consultation with RO/HO Technical dept.
4) Sum insured of Table A should not exceed insured’s 2 years income and total sum insured comprising all the table      should not exceed 6 years income :
5) Retired Person of GIC & its subsidiaries) can be covered up to his/her death. The sum insured to be given on 50%      basis of last policy or Rs. 5 lacs which ever is less for table B only. i.e. Weekly Compensation benefit (table A should      not be given.
6) The aforesaid limits would apply cumulatively in the event of there being more than one policy on the life of the      insured by any one or more of the subsidiaries of the G.I.C.
7) Table A can be taken upto Rs. 5 Lacs with prior R.O. approval.