Group Personal Accident
Personal Accident Policy is a worldwide cover providing protection for the employees against any accidental injuries sustained by the individuals resulting in death and disablement.
Salient Features
• Competitive Premium
• Flexibility of covers and sums insured
• Superior claim service
• Option to choose higher medical expenses limit
• Option to choose higher Temporary Total Disablement benefit limit
• Carriage of dead body expenses subject to a maximum of 2% of Capital Sum Insured or Rs.2500/-
• Provision to restrict the cover either on duty
Standard Cover
The Policy covers bodily injury due to an accident caused by external, violent and visible means and resulting in death/disablement within 12 calendar months from the date of accident.
The cover available is worldwide and for 24 hours. However in case any organization wishes to opt for a restricted cover for their employees for the duration during which they are only on duty, the same can be provided by offering suitable discount in the premium.
Extra Covers available on payment of Additional Premium
• Medical Expenses extension
• Temporary total disablement cover
Some Principal Exclusions
Death or bodily injury sustained from
• Intentional Self injury, suicide or even attempted suicide
• While under the influence of intoxicating liquor or drugs
• While engaging in activities associated with aviation or ballooning activities, while mounting into or dismounting from a balloon and / or an aircraft (other than while traveling as a passenger)
• Arising out of any criminal activities committed by the insured person
• Death or disablement of any kind resulting directly or indirectly or in consequence of child birth/pregnancy
I - Documents required for PA - Death Claim
• Duly filled claim form
• Copy of FIR duly attested by the issuing authority/Notary Public
bull; English Translation of all vernacular documents duly attested by Notary Public
• Copy of postmortem duly attested by the issuing authority/Notary Public
• Original death certificate
• Panchanama report/inquest report duly attested by a Notary Public
• Admission/death summary in case the deceased person was admitted to a hospital after the accident
• Original Legal Heir Certificate
