With you during times of uncertainty!

1. Personal Accident Cover

We will pay You or Your Nominee/ legal heir, as the case may be, the sum insured as specified against this Extension in the Policy Schedule, on occurrence of any Insured Event, as specifically described hereunder, arising due to an Injury sustained by You during the Policy Period. This cover is available only for adult members aged maximum up to 60 years. This is a worldwide cover.

• Insured Event - Accidental Death
  We will pay Your Nominee/legal heir, as the case may be, the sum insured as specified against this Extension in the Policy Schedule, on the unfortunate event of Your death, provided such death results solely and directly from an Injury sustained within a period of twelve months from the date of Accident provided that the date of occurrence of the Accident falls within the Policy Period.
• Insured Event - Permanent Total Disablement (PTD) resulting from Accident
  We will pay you the sum insured as specified against this Extension in the Policy Schedule on the occurrence of any of the following losses, provide such losses are total, permanent and irrecoverable resulting solely and directly from an Injury sustained within a period of twelve months from the date of Accident resulting in such Injury:
  • Loss of use of both eyes, or physical separation/ loss of use of two entire hands or two entire feet, or one entire hand and one entire foot, or of such loss of use of one eye and such physical separation/ loss of use of one entire hand or one entire foot.
  • Physical separation/ loss of use of two hands or two feet, or one hand and one foot, or of Loss of Use of one eye and loss of use of one hand or one foot. If such Injury is permanently and totally, disabling the Insured Person from engaging in any employment or occupation of any description whatsoever. Provided that the date of occurrence of the Accident falls within the Policy Period. Notwithstanding anything, we shall not be liable to pay you under this
  Extension for:
  • Compensation under more than one of the categories as specified in the Insured Event, during the Policy Period.
  • Payment of compensation in respect of Death or Permanent Total Disablement arising from or resulting directly or indirectly from any Illness unless such Illness arose directly as a consequence of an Accident.

2. Temporary Total Disablement (TTD) Rehabilitation Cover (resulting from Accident Extension)

We, hereby agree to pay a sum as stated in the Policy Schedule against this extension, per week, on the occurrence of Temporary Total Disablement, which means such loss caused to the Insured Person provided:

• The temporary total disablement results solely and directly from an Injury sustained within the Policy Period/ Policy Year.
• Such a disablement arises out of an Injury within 7 days from the date of Accident resulting in such Injury.
• Completely incapacitates the Insured Person from engaging in any employment or occupation of any description whatsoever which he/she was capable of performing at the time of Accident resulting in such Injury.
• This weekly compensation shall be paid for such time period for which the Insured Person is totally disabled from engaging in any employment or occupation of any description whatsoever.
• The compensation payable under this Benefit shall not be payable for more than 10 weeks in respect of an Injury, calculated from the date of commencement of disablement.
• Subject to the terms, conditions and exclusions applicable to Extension 03 and the terms, conditions, general exclusions stated in the Policy This cover is available only for adult members aged maximum up to 60 years.

Rehabilitation is a treatment or treatments designed to facilitate the process of recovery from injury, illness, or disease to as normal a condition as possible. Only the rehabilitation services provided by a certified practitioner will be considered.

3. Repatriation of Remains

In the unfortunate event of death of the Insured Person whilst travelling within the geographical boundaries of India, during the Policy Period, we will reimburse the legal heir/ Nominee the costs of transporting the remains of such Insured Person back to his/ her place of residence or, up to an equivalent amount, for burial or cremation in the city where the death has occurred. However, our maximum liability under this cover will not exceed the Annual Sum Insured as specified against this Extension in the Policy Schedule.