Accidental Insurance provides coverage in case of accidental injury and death. This insurance can be taken by an individual or a group. This policy provides benefits against bodily injury (incl. Death) resulting solely and directly from accident caused by external, violent and visible means. Terrorism Group Risk (Riot, Strike, Malicious Damage, Sabotage & Terrorism) is covered in this policy.

Benefits available under this insurance are as follows:

1. Death             
2. PTD (Permanent Total Disablement) is the situation, where after accidental injury the insured person becomes so disable that he/she is not able to carry his/her normal profession completely and permanently e.g. loss of both hands (above wrist), loss of both legs (above ankle), loss of both eye sight, complete the irrecoverable paralysis etc.
3. PPD (Permanent Partial Disablement) is the situation, where after accidental injury the insured person becomes disable and not able to carry his/her normal profession partially e.g. loss of one hand, one leg, loss of hearing capacity.
4. TTD (Temporary Total Disablement) is the situation, where after accidental injury the insured person become totally disable to carry out his/her normal profession but for the temporary period.
5. Medical expenses are payable in case of bodily injury by insured perils only.

The benefits covered and amount payable for various benefits are as below:

Death             - 100% of Sum Insured

PTD                - 100% of Sum Insured

PPD                - Various % of Sum Insured depending on the type of disablements

TTD                 - Loss of Income [Actual loss of income or 1% of Sum Insured per week, whichever is less.

Med. Exp.        - Actual and incurred medical expenses up to 10% of Sum Insured. Maximum limit Rs. 100,000/-

Exclusion: