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| 8- Policy wording overseas travel insurance (ICICI Lombard) |
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| BENEFIT 7 - PERSONAL ACCIDENT |
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| What it covers ? |
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| An 'accident' is considered to have occurred : |
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- If the Insured suffers involuntary damage to his/her person as a result of an event that suddenly acts on his/her body from outside.
- If due to excessive exertion, a joint is dislocated or muscles, ligaments or tendons are strained or torn.
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| Conditions |
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| TERMS & CONDITIONS APPLICABLE TO BENEFIT 7 - PERSONAL ACCIDENT |
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| If the Insured meets with an accident, which leads to death or disablement of the Insured, the Company will provide insurance coverage to the Insured in the following manner: |
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- Death of Insured : If following an accident while on the trip abroad that causes death of the Insured within one year from the date of accident, the Company will pay to the nominee of the Insured, an amount as compensation subject to the maximum sum insured specified in Part I of the Schedule to the Policy.
- Permanent Disablement of the Insured : If following an accident while on the trip abroad 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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- The disablement occurs within one year of the accident.
- 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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| Benefits |
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| TABLE OF BENEFITS : |
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| Benefits (expressed in percentage of Sum Insured) |
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- Death 100
- Loss or Inability to function of
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- An arm at the shoulder joint 70
- An arm to a point above the elbow joint 65
- An arm below the elbow joint 60
- A hand at the wrist 55
- A thumb 20
- An index finger 10
- Any other finger 5
- A leg above the center of the femur 70
- A leg up to a joint below the femur 65
- A leg to a point below the knee 50
- A leg up to the center of the tibia 45
- A foot at the ankle 40
- A big toe 5
- Some other toe 2
- An eye 50
- Hearing in one ear 30
- Sense of smell 10
- Sense of taste 5
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