An Accident Suraksha Policy is a policy which covers the insured against bodily injury or death caused due to accidents.

Primary covers

Accidental Death * (AD )

Permanent Total Disability (PTD)

Permanent Partial Disability(PPD )

*Death is a mandatory cover

In case of payment of additional premium, the following additional benefits can be availed

Adaptation Allowance -

The policy covers expenses towards modification of vehicle or some changes in house necessitated by Permanent Total Disability up to a limit of 10% of the Sum Insured ( under Death cover )subject to a maximum of Rs.50, 000 ( this can be opted only if Permanent total disability cover is taken )

Family Transportation Allowance –

In case of an admissible claim under any of the Primary covers (AD /PTD / PPD) the policy covers expenses incurred for the transportation by a common carrier of an immediate family member to the place of hospitalization, provided the place of hospitalization is outside 100 kms of the insured’s normal place of residence and the attending doctor has recommended for a personal attendance of an immediate family member. The maximum amount payable for this cover shall be limited to 10% of the Sum Insured (under Death cover) subject to maximum Rs.50, 000/-.

Hospital Cash Allowance –

In case of an admissible claim under any of the primary covers, the policy pays Rs 1200/- for each completed day of hospitalization for a maximum period of 30 days .

Age Eligibility

An individual of age 18 to 65 years can opt for this policy . In case of Family Self, Spouse and dependent children of age 5 yrs to max 25 yrs can be covered.

Sum insured Eligibility

• Sum insured is based on the monthly income .
• The maximum sum insured that can be availed is up to 25 lakhs. The sum insured for the Proposer shall be the highest among the family
•  The maximum sum insured for non-working spouse is 50% of Proposer sum insured subject to maximum of Rs10 lakhs
  
• The maximum sum insured for dependent children is 25% of sum insured of Proposer subject to maximum of Rs 5lakhs
  

Extra Benefits

• 10% Family discount can be given if cover is opted for family members
  
• No claim Bonus to be provided to each insured in case of claim free year subject to maximum of 25%
  
• Inbuilt Terrorism Cover

 Exclusions

• Any existing disablement prior to the inception of the policy
  
• Suicide, attempted suicide Serving in military, armed forces
  
• Under the influence of drugs, alcohol and other Intoxicants Participation in felony, riots, war, etc
• Exposure to nuclear, radioactive materials
  

 To understand the nuances of different types of policies and its price, feel free to seek the help of InsuranceMall to select the right products based on your need. Or you can directly call them on +91-22-30503050

InsuranceMall is the leading and first online insurance broker in India. With the motto to make our customer delighted and proud about their decisions, we’re always there to help them with best possible policy