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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
Medilcaim Policies for Students
 
(1) Policy Wording/ Proposal Form/ Brochure
(2) Product details of Various Companies for Student Insurance
 
General/ Health Insurance Companies Products
 
 
 
   1- VIDYARTHI-Mediclaim for Students (Domestic)- National Insurance Company Limited
3. Section II & III - Personal Accident to  student and guardian of the student
A. Scope of Cover
If the Insured persons shall sustain any bodily injury resulting solely and directly from Accident caused by external violent and visible means then the Company shall pay to insured the sum hereinafter set forth that is to say

(a)If such injury within twelve calendar months of its occurrence shall be the sole and direct cause of the death of the Insured persons the Capital Sum Insured stated in the Schedule.

(b)If such injury within twelve calendar months of its occurrence shall be the sole and direct cause of the total and irrecoverable loss of sight of both eyes or total and irrecoverable loss of use of two hands or two feet, or of one hand and one foot or of such loss of sight of one eye and such loss of use of one hand or one foot, the capital sum insured stated in the schedule hereto.

(c)If such injury within twelve calendar months of its occurrence shall be the sole and direct cause of the total and irrecoverable loss of sight of one eye or total and irrecoverable loss of use of a hand or foot, fifty percent to the capital sum insured stated in the schedule hereto.

(d)If such injury within twelve calendar months of its occurrence shall be the sole and direct cause of permanently totally and absolutely disabling the Insured from engaging in being occupied with or giving attention to any employment or occupation of any description whatsoever the Sum Insured stated in the Schedule.

PROVISOS  

Provided always that the Company shall not be liable under this Policy for

1.Compensation under more than one of the aforesaid sub-clauses (a) (b) (c) or (d) in respect of the same injury or disablement.
2.Any payment in excess of Sum Insured under the Policy during any one period of Insurance.
3.Payment of compensation in respect of injury or disablement directly or indirectly arising out of or contributed to be or traceable to any disability existing on the date of issue of this policy.

This policy will also cover:

Transport cost of insured’s dead body(death due to accident only) to the place of residence subject to a maximum of 2% of the Capital Sum Insured or Rs.1000/- whichever is lower. This cover is applicable both for Section II & III.
B. Exclusions
1.Payment of compensation in respect of death of the insured
(a) from intentional self injury, suicide or attempted suicide
(b) whilst under influence of intoxicating liquor or drugs
(c) whilst engaging in Aviation or Ballooning, whilst Mounting into, Dismounting from or Travelling in any aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world
(d) directly or indirectly caused by venereal disease or insanity,
(e) arising or resulting from the insured committing any breach of the law with criminal intent.

Note:“Standard type of aircraft” means any aircraft duly licensed to carry passengers (for hire or otherwise) by appropriate authority irrespective of whether such an aircraft is privately owned OR chartered OR operated by a regular airline OR whether such an aircraft has a single engine or multiple engines.

2.Payment of compensation in respect of death of the insured due to or arising out of directly or indirectly connected with or traceable to war, invasion, Act of foreign enemy, Hostilities (Whether war be declared or not) Civil War, Rebellion, Revolution, Insurrection, Mutiny, Military or Usurped Power, Seizure, Capture, Arrests, restraints and Detainment of all kings, princes and people of whatsoever nation, condition or quality.
3.Payment of compensation in respect of death of the insured:
Directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.  For the purpose of this exception, combustion shall include any self-sustaining process of nuclear fission.
Directly or indirectly caused by or contributed to by or arising from nuclear weapon material.

4.Pregnancy Exclusion Clause:  The insurance under this Policy shall not extend to cover death or disablement resulting directly or indirectly caused by or contributed to by or aggravated to prolonged by childbirth or pregnancy or in consequence thereof.
Provided also that due observance and fulfilment of the terms and conditions of this Policy (which conditions and all endorsements here on are to be read as part of this Policy) shall so far as they relate to anything to be done or not to be done by the insured  be a condition precedent to any liability of the Company under this Policy.
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