- Accident Suraksha- a benefit policy for Personal Accident .
- The maximum Sum Insured offered under CSC is maximum upto Rs 2 lacs only .
- The sum insured commensuration will be based on the annual income & validations based on the primary covers opted.
- Coverage’s are –
Primary Covers:
–Death : Death due to Accident.
– Permanent Total Disability (PTD ): Means disablement which entirely prevents an Insured
Person from attending to any Business or Occupation of any and every kind and which
lasts 12 months and at the expiry of that period is beyond hope of improvement.
–Permanent Partial Disability (PPD): A Medical Practitioner certified total and continuous loss
or impairment of a body part or sensory organ specified in the “Table of events.” .For “Table of
events ”,please refer the policy clause .
–Temporary Total Disability (TTD): Means disablement which temporarily and totally prevents
the Insured Person from attending to the duties of his usual business or Occupation and shall
be payable for a maximum period of 100 weeks during such disablement from the date on which
the Insured Person first became disabled.
The cover will be offered only if the insured person is an Employee.
Additional covers:
-Accidental Hospitalization:
If You are hospitalised on the advice of a Medical Practitioner because of Accidental Bodily Injury
sustained during the Policy Period, then We will reimburse to You, Reasonable & Customary
Charges for Medical expenses for treatment or Surgery incurred upto the maximum sum insured
shown in the Schedule for this section, in aggregate, in any one Policy Period.
The Medical expenses reimbursable would include the Reasonable & Customary Charges that You
necessarily incur on the advice of a Medical Practitioner as day-care treatment or an in-patient
(minimum 24 hrs) in a Hospital for accommodation including Room rent; nursing care; the attention of
medically qualified staff; undergoing Medically Necessary procedures and medical consumables
This cover is independent of any claim under the primary covers.
* Special exclusion for this section:
- Pre and Post Hospitalisation expenses are not covered under Accidental Hospitalisation cover.
- Alternative treatments are not covered.
iii. Standard exclusions are applicable under this section
–Accidental Medical Expenses:
In the event of a valid claim under this Policy for Accidental Death,Permanent Total Disablement or Permanent Partial Disablement,Temporary Total Disablement We will reimburse the Reasonable &
Customary Charges, subject to Deductibles if any shown in the Policy Schedule, for medical treatment or Surgery for the Injury sustained, provided the treatment is availed in a Hospital or Day care
centre in India including as OPD treatment/ Day Care Treatment. The maximum amount payable shall be 40% of the valid Personal Accident claim amount or 20% of the relevant sum insured whichever
is less subject to maximum of Rs.500,000(Rupees five lacs only).
- Kindly note Death is a mandatory cover .
- The plan is available for Individuals basis .
- Age eligibility-Individual from age of 18 years to 70 years
- Risk class 1 & 2 can be offered .Occupation that fall under risk class 3 are excluded .
Risk Class I:
- Accountants, Doctors, Lawyers, Architects, Consulting Engineers, Teachers, Bankers,
Persons engaged in administrative functions, Persons primarily engaged in occupations
of similar hazard.
Risk Class II:
- Builders, Contractors, Sales executives and Engineers engaged in superintending
functions only. Veterinary Doctors, paid drivers of motor cars and light motor vehicles
and persons engaged in occupations of similar hazard and not engaged in manual labor.
All persons engaged in manual labor (Except those falling under Group III) Cash
Carrying Employees, Garage and Motor Mechanics, Machine Operators, Drivers of trucks
or lorries and other heavy vehicles, Professional Athletes and Sportsmen, Woodworking
Machinists and persons engaged in occupations of similar hazard.
- Kindly note all the product terms /conditions / guidelines for this are as per our standard Accident Suraksha product only .
For detailed information on terms and conditions etc., please refer to the Accident Suraksha brochure ,prospectus & policy wordings.