Coverage & Benefits

Accidental bodily Injury directly resulting in the death or disablement to Insured Person as per the Table of Benefits.

The scope of coverage shall depend on the benefit selected by you and as described in the Schedule
A) Basic Cover—Death only
B) Wider Cover--- Death + Permanent Total Disability + Permanent Partial Disability
C) Comprehensive Cover---- Death + Permanent Total Disability + Permanent Partial + Disability + Temporary Total Disability

We shall pay to the Insured Person or his/her legal personal representative / assignee, the compensation set forth in Table of Benefits (as percentage of Capital Sum Insured).

Extra benefits under the policy in addition to capital Sum Insured, in case the liability under the Policy for Accidental Claim has been admitted.

A. Transportation cost for carriage of dead body to Home including funeral charges.	1% of Capital Sum Insured or 2,500/-(Two thousand five hundred) whichever is lower.
B. Cost of Clothing damaged in the Accident as described above and liability for disablement is admitted by Us.	Actual expenses subject to maximum of Rs 1000/-
C.Ambulance charges for transportation of Insured person to Hospital following Accident	Actual expenses subject to maximum of Rs 1000/-
D. Education Fund: In the event of Death, Permanent Total Disablement of Insured Person, We will approve compensation towards Education Fund for dependent children as below	5% (Five percent) of C.S.I Subject to a maximum of Rs. 15000/-
E. Loss of Employment: In the event of accident leading to loss of employment as a consequence of Permanent Total Disability as per the table of benefits.	2% of CSI subject to a maximum of Rs 25000/-

Exclusions

1. Natural Death

2.Compensation under more than one of the benefits mentioned in Table of Benefits in respect of   same period of disablement.

3. Any other payment after a claim under one of the benefits 1,2, 3 and 4 in Table of benefits has been   admitted and becomes payable, refer Policy wording.

4. Any payment in case of more than one claim under this Policy during any one period of Insurance by which our liability in that period would exceed CSI

5. Payment of compensation in respect of death or Injury as a consequence of/resulting from

    a) Committing or attempting suicide, intentional self-Injury.

    b) Whilst under influence of intoxicating liquor or drugs.

    c) Drug addiction or alcoholism.

    d) Whilst engaged in any adventurous sports and/or hazardous activities.

    e) Committing any breach of law with criminal intent.

    f) War, Civil War, invasion, act of foreign enemies, revolution, insurrection,
    mutiny, military or usurped power, seizure, capture, arrest,restraint, or
    detainment, confiscation, or nationalisation or requisition by or under the
    order of any government or public authority.

6. Consequential loss of any kind and/or any legal liability

7. Pregnancy including child birth, miscarriage, abortion or complication arising there from.

8. Participation in any naval, military or air force operations.

9. Curative treatments or interventions

10. Venereal or sexually transmitted diseases.

11. HIV and or related Illness