Terrorism and Acts of Terrorism:
In case of the death of the insured arising out of terrorism or acts of terrorism within the policy period.
In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.
Accidental Hospitalisation Expenses Reimbursement:
Reimburses medical expenses incurred during hospitalisation, arising out of any injury, within 7 days from the date of accident subject to the sum insured opted for the policy year. Minimum period of hospitisation required is 24 hours. The claim amount payable will be on reimbursement basis subject to a maximum of sum insured.
Permanent Total Disablement (PTD):
Personal Accident pays compensation against the permanent and total loss of limbs, sight etc. due to an accident within policy period. Permanent Total Disablement shall mean total and irrecoverable.
- Loss of sight of both eyes; or
- Actual loss of physical seperation of both hands or both feet or one entire hand and one entire foor; or
- Total and irreversible loss of use of both hands or both feet or of one hand and one foot without physical seperation.
If any such injury as mentioned above shall result in the inability to remain gainfully employed, then the Capital Sum Insured payable will be 100%.