Key Benefits
- Complete protection against Death and Disability
- Protection against income loss
- Protection against hospitalisation related expenses
- Cumulative bonus leading to increased protection every year
Key Features
| Accidental Death Cover (AD) | Get 100% of sum Insured in case of Accidental Death. |
|---|---|
| Permanent Total Disablement (PTD) | Get 100% of sum Insured in case of Permanent Total Disablement. |
| Permanent Partial Disablement (PPD) | Get up to 100% of sum Insured, depending on the nature of the disability. |
| Education Benefit | Get one-time lump sum payment of 10% of sum insured for surviving dependent child. |
| Emergency Road Ambulance Cover | Get up to Rs.10,000 as emergency ambulance services. |
| Funeral Expenses | Get up to 1% of Sum Insured, maximum up to Rs.50,000 towards funeral or cremation expenses. |
| Repatriation of Remains | Get Rs.50,000 towards transportation of mortal remains from the place of death to the residence or a cremation ground. |
| Orphan Benefit | In case of accidental death of parents, receive 10% of Sum Insured, maximum up to Rs.15 Lakhs. This amount is payable irrespective of the number of Dependent Children. |
| Modification Benefit | Get up to Rs.1 Lakh towards suitable improvements carried out for residence/ vehicle following a disablement. |
| Compassionate Visit | Get a travel expenses for a relative to visit you at to the place of Hospitalization. Domestic travel: up to Rs.10,000 International travel: up to Rs.25,000 |
| P.A. Cumulative Bonus | Get a 5% bonus in case of a claim free policy year, maximum up to 50% of Sum Insured. Bonus reduces by 5% of the Sum Insured in case of a claim. |
| Temporary Total Disablement (TTD) | Optional Cover: Get a weekly benefit as opted, maximum up to 50,000 per week, up to 100 weeks, with respect to any one Injury. |
| Accidental In-patient hospitalization cover | Optional Cover: In case of hospitalization get 1% of Accidental Death Sum Insured or Rs.1 Lakh whichever is higher, incurred towards medical expenses for such hospitalization. |
| Broken Bones Benefit | Optional Cover: Get payment as per your policy terms towards fracture of bones. |
| Coma Benefit | Optional Cover: Get payment as in case of a coma due to an accident. |
| Burn Benefit | Optional Cover: Get payment towards burns, depending on the degree of burns. |
| Accidental Medical Expenses | Optional Cover: get payment for OPD treatment of an injury. |
| Adventure Sports Cover | Optional Cover: Get payment for an injury caused while engaging in a sports activity. |
| Worldwide Emergency Assistance Services | Optional Cover: Get assistance for transportation to a medical facility and then to return to your residence under medical supervision in case of an emergency. |
| EMI Protect | Optional Cover: Get your monthly instalments for your loan covered as per your policy terms. |
| Loan Protect | Optional Cover: Get your outstanding loan amount covered as per your policy terms. |
| Wellness Coach | Optional Cover: Get a wellness coach to guide you on nutrition, fitness and lifestyle habits. |
The plan can also be purchased online.The minimum annuity payouts shall be in accordance with IRDAI (Minimum limits for Annuities and other Benefits) Regulations, 2015, as amended from time to time All ages are calculated as at last birthday. Risk cover starts from date of commencement of policy for all lives. 1Subject to annuity commencing at a maximum age of 80 2Premium amounts are exclusive of taxes and levies as applicable 3The plan will be available to employer-employee groups on group platform
Click Here to read the policy wording.
Frequently Asked Questions
You can choose to buy this Policy by paying a single premium, or you can choose premium payment on instalment basis. Monthly/quarterly/semi-annual instalment options are available for Policies with Policy Period of 1 year.
You need to submit the claims documents to us within 30 days of occurrence of the event with the following documents:
• Completed Claim Form
• Photo ID and Age proof
• Attested copy of medico legal certificate copy / first information report copy / Panchnama
• Copies of consultation letters detailing the treatment taken immediately after Accident
• Radiological investigation reports like X ray, CT scan, MRI etc
• Additional documents as required for Specific Benefits
You can purchase the policy for yourself and include your spouse up to four children, and yours and your spouse’s parents.
Yes, in such case guardian of the nominee has to be provided.
You can avail a discount of 10% on premium on covering 2 or more family members in a single policy.