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Hope for the best, Prepare for the Worst
Main Features
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Choose policies that allow customization
Ensure adequate protection for liability risks
Address specific risks relevant to your situation
Confirm sufficient coverage limits and understand deductibles
Check the insurer's reputation for claims and customer service
Review exclusions and special conditions carefully
Policies
Personal Accident Insurance
A personal accident insurance policy offers protection against death, permanent total or partial disability, and temporary disability due to an accident. In case of death or permanent disability, the insurer pays the sum insured, and the policy terminates. For partial disability, a percentage of the sum insured is paid based on the severity, and weekly compensation is provided for temporary total disability.
This policy serves as an income protection plan, with your profession and income determining your maximum cover and premium rates.
Types of Personal Accident Insurance:
A) Individual Personal Accident Insurance:
This policy covers individuals against uninvited accidents, including accidental death, loss of sight or limbs, or other permanent disabilities.
B) Group Personal Accident Insurance:
This policy applies to a group of people with a commonality, such as employment type or location. Employers typically use it to provide coverage for their employees, and discounts on premiums may be available depending on the group size.
Exclusions:
1. Intentional injury.
2. Injuries from civil or foreign wars.
3. Injuries due to alcohol or drug consumption.
4. Injuries from involvement in violent public disturbances.
5. Injuries while on duty with the military, paramilitary, or police force.
6. Injuries from unsafe sports.
7. Pre-existing illnesses.
8. Claims arising from pregnancy or childbirth.
Disclaimer: These exclusions are for presentation purposes only. Please refer to the policy terms & conditions for detailed coverage and exclusions.