GROUP PERSONAL ACCIDENT INSURANCE FAQs

What does the policy not cover?

The policy does not cover the following things:

  • Self-injury, suicide, insanity or venereal diseases.
  • Issues that are arising out of intoxication, substance abuse or use of drugs.
  • Death due to childbirth or pregnancy is not covered under our policy.
  • Issues arising out of contempt of law, the involvement of nuclear weapons or armed forces are not covered under our policy

What the policy covers?

The following types of coverages are offered under a Personal Accident policy:-

  • Table D.
  • Table C.
  • Table B.
  • Table A.

The insured can claim only under any one of these sections as a result of any one accident.

The policy also covers expenses incurred for the carriage of dead body from place of accident to the residence subject to a limit of 2% of the capital sum insured or Rs.2,500 whichever is less. Under an Individual Personal Accident policy or Family Package Policy, an education fund is payable for a maximum of 2 dependent school-going children, in case of death or permanent total disablement of the insured person.