Accidental Death & Disappearance
Accidental deaths are uncertain; in such death, the nominee gets 100%
compensation of the sum insured as per the Basic Plan, Basic plus
Plan, Advance Plan or Comprehensive Plan selected by the insured.
If, during the policy period, the insured person meets with any
accidental bodily injury that causes their death within 12 months
from the date of such accident. Where such an accident is the sole
and direct cause of death, the insurer will pay the benefit for loss
of life during the policy period. This cover can secure the family’s
financial status after your absence
Transportation of Mortal Remains
As an additional benefit coverage, if you opt, you can be compensated
for the actual cost of transporting the remains of the deceased from
the place of death to a hospital, cremation ground or burial ground.
The insurer will limit the amount to as low as Rs. 5,000/- or 2% of
the sums insured
Children's Education Benefit
If one claims under accidental death or permanent total disability, then
we will make a one-time payment of 2% of the benefit for each child
towards the cost of education. The cover is available for the first two
dependent children who are studying
Permanent Total Disability
In case someone gets injured, loses (any) body part permanently and
becomes physically challenged, the insurer will pay 100% of the sum
insured shown under the plan selected
Permanent Partial Disability
If suppose the insured meets with an accident during the policy period
that causes disablement of the shoulder joint, thumb, index finger or
other permanent partial disability. If it results within 12 months from
the date of the accident and such an accident is the direct cause of
disability, the insurer will pay a certain percentage of the sum insured
under each plan
Temporary Total Disability
If suppose the insured suffers an accidental bodily injury during the
policy period because of temporary disablement and it completely
prevents the insured from the respective occupation. Then the insurer
provides a weekly payment of 1 % of the capital sum insured per week, a
maximum of up to Rs. 50,000 until they return to work
