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Types of Personal Accident Insuance
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Terminologies
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Personal Accident Insurance Terminologies

Accident

The occurrence of any sudden, unexpected event, which may or may not cause injuries to the person involved

Permanent Total Disability

An injury that prevents you from moving permanently. It may include blindness, paralysis or loss of both legs

Permanent Partial Disability

A partial disability occurs when an injury does not improve over time. As an example, there might be a loss of a leg, blindness or loss of hearing in one ear

Temporary Total Disability

A temporary total disability is when a person stops moving partially due to a fracture or ligament tear, etc.

Frequently Asked Questions

What is Capital Sum Insured (CSI)?

The sum insured is the maximum amount paid by the insurance company when a claim is made for an insured event

Sum insured for family cover:

Earning member – CSI for each earning member will be limited to a maximum of 60 months’ salary or monthly income Spouse – 50% of the CSI of the earning member Children (5-25 years) – 25% of the CSI of either earning member or Rs. 50,000 per child whichever is lower

What coverage does Total Permanent Disability provide?

The policy holder will receive a pre-agreed amount if an accident results in permanent disability

What does Individual Personal Accident Insurance cover?

An Individual Personal Accident Insurance (IPA) protects an individual and their family members in case of accidental damage or loss i.e. accidental death, loss of limbs, sights and permanent/partial disablement