Personal Accident

1Q. What is Personal Accident Insurance Policy?

Personal Accident Insurance Policy ensures that if the insured person shall sustain any bodily injury solely & directly from accident caused by external violent and visible means then Company shall pay the Insured or his legal personal representative as the case may be the sum or sums as per terms/conditions of the policy.

2Q. What are the coverage under Personal Accident Insurance?

The following are the coverage under this policy.

1.Death Only (100% CSI i.e. Capital Sum Insured) 1,00,000/-
2.Loss of two limbs two eyes or one limb and one eye (100% CSI) 1,00,000/-
3.Loss of one limbs or one eye (50% of CSI)    50,000/-
4.Permanent Total Disablement from injuries other than those names above (PTD)100% CSI 1,00,000/-
5.Permanent Partial Disablement (PPD) as per percentage of CSI
6.Temporary Total Disablement (TTD) at 1% of CSI upto 100 weeks(Max.weekly benefits per week not exceeding Rs.3000/- however limited to CSI.     1,000/-

3Q. Please explain if any other benefits are under the Policy?

                CARRIAGE OF DEAD BODY.

In addition to above expenses incurred for carriage of the dead body of Insured Person (death due to accident only) to place of residence subject to a maximum of 2% of the Capital Sum Insured or Rs.2500/- whichever is less.


In the event of death or permanent total disablement of the insured the policy shall also pay the following amount as education grant for dependent children.

One dependent child-10% of C.S.I. subject to a maximum of Rs.5,000/-(Maximum all policies

(Below 25 years)on one life.

More than one dependent -10% of C.S.I. subject to Rs.10,000/- Maximum all policies on one life)

Child (Below 25 years)

4Q. Whether all the family members can be covered under the single policy?

Yes, all the family members can be covered.  If family members are covered under the policy “Family Discount” is allowed under the policy which reduces the payable premium.

Raghunandan Insurance Brokers (P) Ltd. | Direct broker code: IRDA: DB/352

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