Key highlights
Lump-Sum Benefit
Provides a fixed, one-time payment in the event of accidental death or permanent disability, ensuring immediate financial relief for you or your beneficiaries.
Comprehensive Coverage
Covers a wide range of accidental injuries, including both permanent and temporary disabilities, so you receive support for various unforeseen events.
Worldwide Protection
Offers coverage irrespective of where the accident occurs, giving you peace of mind whether you’re at home or traveling abroad.
Quick Claim Settlement
Designed with streamlined procedures for prompt claim processing, ensuring that you receive benefits as quickly as possible during difficult times.
No Medical Underwriting
Simplified enrollment without the need for extensive medical examinations, making it accessible to a broader range of individuals.
Affordable Premiums
Provides essential financial protection at a competitive cost, making it a cost-effective solution for safeguarding against accidental risks.
Exclusion
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Self-Inflicted Injuries
Injuries resulting from intentional self-harm or suicide attempts are not covered under the policy.
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Acts of War and Terrorism
Losses due to war, terrorism, or similar hostile acts are typically excluded from coverage.
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Accidents Under Influence
Any accidents occurring while the insured is under the influence of alcohol or drugs are generally not covered.
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Reckless or Illegal Activities
Claims arising from accidents during participation in extreme sports or other high-risk, reckless behavior may be excluded.
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Pre-existing Conditions
Since this policy is specifically for accidents, any non-accidental illnesses or injuries are not covered
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Non-Accidental Death or Injury
Death or injuries that are not a direct result of an accident are excluded from the policy.
Types Of Personal Accident Insurance
Basic Personal Accident Cover
A standard policy that offers coverage for accidental death and permanent total disability, ensuring fundamental protection.
Comprehensive Personal Accident Cover
Extends benefits to include temporary disabilities and may offer additional support like hospitalisation costs for accident-related injuries.
Group Personal Accident Cover
Offered by employers to cover their employees, providing collective protection at competitive group rates.
Travel Personal Accident Cover
Specifically tailored for individuals on the move, ensuring coverage during travel-related accidents both domestically and internationally.
Family Personal Accident Cover
A single policy designed to protect multiple family members, ensuring that your entire household is safeguarded against accidental risks.
Student Personal Accident Cover
Customized for students, this policy covers accidents that may occur in academic environments or during extracurricular activities.
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Why Is It Essential?
Acts as a safety net by providing immediate funds to help cover unexpected expenses in the wake of an accident.
In the event of disability, the benefit can help replace lost income, ensuring continued financial stability for you and your family.
Knowing that you are financially protected against accidents can reduce stress and allow you to focus on recovery and well-being.
With affordable premiums, it is a practical way to mitigate the financial impact of unforeseen accidents without breaking the bank.
No complex medical underwriting means quicker access to protection, making it easier for anyone to secure their future.
Offers comprehensive coverage for a wide array of accidental risks, ensuring that you’re covered in various everyday scenarios.
