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Personal Accident Insurance
Personal Accident Group/
Individual insurance protects the group/individual against the consequences of unforeseeable
daily accidents.
A personal accident policy
indemnifies the insured in case of accidents by taking into account the disabilities
and injuries of the insured..
Features:
Compensation:
The policy is divided into
various risk categories and the compensation is awarded to the insured depending
on the category that is applicable to him.
Exclusions:
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Services on duty with any
armed Force.
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Intentional self-injury,
suicide or attempted suicide, insanity, venereal diseases or the influence of intoxicating
drugs.
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Medical or Surgical treatment
(except in cases where such treatment is necessary within the scope of the policy).
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Nuclear radiation or nuclear
weapons materials.
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Any 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, seizure,
capture, arrests, restraint and detrainments of all kinds, princes and people of
whatsoever nation condition or quality.
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Childbirth, pregnancy or
other physical caused peculiar to the female sex.
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Whilst committing any breach
of law with criminal intent.
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