Personal Accident Insurance
Who Should Take Such Policy?
Any Individual, Firm, Corporate or Business having motor Vehicle.
Indicative Coverage:
Personal Accidental Insurance provides coverage in case of accidental injury and death. This insurance can also be taken by groups named Group Personal Accidental Insurance.
- Death
- Dead Body Cremation
- Funeral Expense
- PTD (Permanent Total Disablement)
- PPD (Permanent Partial Disablement). It is the situation where after accidental injury the insured person becomes disabled and is not able to carry his/her normal profession partially e.g. loss of one hand, one leg, or loss of hearing capacity.
- TTD (Temporary Total Disablement)
- Medical expenses are payable in case of bodily injury by insured perils only.
Common Exclusions:
Death or bodily injury caused by the following reason
- Intentional Self Injury
- Suicide or attempted suicide
- Whilst under the influence of intoxicating liquor or drug
- Whilst travelling in any aircraft or Hot Air Balloon (other than as a passenger)
- Whilst engaging in any kind of race on wheel or horseback, Bungee Jumping, Para Gliding or Motorcycle Race, Polo, Hunting, Scuba Diving, Mountaineering or Shooting
- Caused by insanity
- Death or bodily injury to Insured Person by War, Invasion, Act of foreign enemy (whether war is declared or not), Civil War, Rebellion, Revolution, Insurrection, etc.