Kisan Suraksha Bima Yojna

Kisan Suraksha Bima Yojna

Kisan Suraksha Bima Yojna policy has been drafted with the aim of offering Personal Accident cover to the farmers purchasing a product of the specified company.

The eligibility of the insured person(s), his/her nominee / legal heirs, as the case may be to avail of the benefits of the cover under this policy is dependent on the truth of the information given in the serially numbered printed cash receipt or debit note.

What is covered

In case of bodily injury which solely and directly causes Insured Person’s death loss of limb or Permanent Total Disablement within 12 months of injury, We shall pay to the Insured Person or his/her nominees or in absence of nominees to legal heirs of Insured Person(s) the sum or sums hereinafter set forth.

This policy will be applicable only where the Insured Person i.e. the end user of the product is a farmer.

What is not covered

We will not pay for any compensation in respect of death, injury or disablement of the Insured Person.

1. As consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny military or usurped power, confiscation, seizure, capture, restraint, nationalisation, civil commotion or loot or pillage in connection herewith.

2. Directly or indirectly caused by contributed to by or arising from:

a) Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. For the purpose of this exclusion, combustion shall include any self-sustaining process of nuclear fission.

c) The radioactive, toxic, explosive or the hazardous properties of any nuclear assembly or nuclear component.

3. Compensation under more than one of the benefits mentioned in respect of same period of disablement, subject to higher compensation being payable.
4. Any other payment after a claim under benefit 1 in “Table of benefits” has been admitted and becomes payable.
5. Any payment in case of more than one claim under Benefits 2, 3 and 4 in “Table of benefits” during any one period of insurance by which Our liability in that period would exceed sum payable under benefit (1) of Table of Benefits stated.
6. Any existing disablement prior to the date of purchase of Insured’s product.

7. Payment of compensation in respect of injury as a direct consequence of:

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

b) Whilst under influence of intoxicating liquor.

c) Drug addiction or alcoholism.

d) Whilst engaging in Aviation or Ballooning or whilst dismounting from or travelling in any balloon or aircraft other than as passenger (fare paying or otherwise) in any duly licensed standard type of aircraft.

e) Pregnancy or childbirth.

f) Venereal disease or insanity.

g) Contracting any illness directly or indirectly arising from or attributable to HIV and/or any HIV related illness including AIDS and/or any mutant derivative or variation of HIV or AIDS.

h) Committing any breach of law with criminal intent.

i) Death due to ailment or other natural causes.

For any enquiry, kindly contact IFFCO-TOKIO’s nearest Bima Kendra LSC, or visit IFFCO-TOKIO’s website www.iffcotokio.co.in