Accidental Insurance
Accidental Insurance provides financial protection against accidental injury, disability, and death arising solely and directly from external, violent, and visible means. The policy is available for individuals as well as groups under Group Personal Accident Insurance. Coverage also extends to Terrorism Group Risk, including Riot, Strike, Malicious Damage, Sabotage, and Terrorism.
Coverage Highlights
Accidental Death Benefit
Provides financial support to beneficiaries in the event of death caused directly by an insured accident.
Permanent Total Disablement (PTD)
Covers situations where accidental injury results in complete and permanent inability to continue normal occupation or livelihood.
Permanent Partial Disablement (PPD)
Provides compensation when an accident results in permanent partial loss of physical function or ability.
Medical Expenses
Reimburses eligible medical expenses incurred due to covered accidental bodily injury.
Benefits Available
| Death | 100% of Sum Insured |
| Permanent Total Disablement (PTD) | 100% of Sum Insured |
| Permanent Partial Disablement (PPD) | Compensation based on the type and severity of disablement |
| Medical Expenses | Actual medical expenses incurred up to 10% of Sum Insured, subject to a maximum of Rs. 100,000 |
Understanding PTD & PPD
Permanent Total Disablement (PTD)
A condition where accidental injury results in complete and irreversible disability, preventing the insured from carrying out their normal profession or occupation. Examples include loss of both hands, both legs, complete blindness, or permanent paralysis.
Permanent Partial Disablement (PPD)
A condition where accidental injury results in permanent partial disability affecting the insured’s ability to perform normal occupational activities. Examples include loss of one hand, one leg, or hearing capacity.
Major Exclusions
The following situations are generally excluded from coverage:
Intentional self-injury.
Suicide or attempted suicide.
Injury occurring under the influence of alcohol or drugs.
Travel in aircraft or hot-air balloons other than as a fare-paying passenger.
Participation in racing activities, motorcycle races, bungee jumping, or paragliding.
Participation in polo, hunting, scuba diving, mountaineering, or shooting sports.
Losses arising from insanity or mental disorders.
Injury resulting from violation of law by the insured person.
Nervous, emotional, or psychological conditions without external bodily injury.
Accidental Insurance provides valuable financial protection against life’s unexpected events, helping individuals and families manage the economic impact of accidental injury, disability, and loss of life.
