Personal Accident Insurance

Personal Accident Insurance

Product Description

Product Description – front page

Covers bodily injury from any sudden and accidental happening, unwillingly or by violence, which can be identified by medical science, not including physical impediment arising from poisoning, anaesthesia, siriasis, heatstroke or mental agitation.

Key Features

  • Covers bodily injury from any sudden and accidental events
  • Including Death Due to Accident, Physical Impediment Due to Accident, and expandable to include Medical Expenses Due to Accident.

Plan Highlights

  1. Covers the bodily injury through any sudden and accidental events that happened unwillingly or by violence, which can be identified by Medical Science, not including physical impediment arising from poisoning, anaesthesia, siriasis, heatstroke or mental agitation.
  2. Death Due to Accident up to 100% of Sum Insured on compensation basis.
  3. Physical Impediment Due to Accident proportional to Sum Insured on compensation basis.
  4. Excludes war, nuclear radiation, pregnancy, and wilful act.
Text

Plan details

Coverage

Death Due to Accident
compensation 100% of Sum Insured.

Physical Impediment Due to Accident
Compensation proportionate to Sum Insured (Sequela Benefit).

Medical Expenses Due to Accident (additional coverage)
Maximum to its Sum Insured.

Exclusions
  1. Wilful act or gross negligence of the person affecting the insurance or the Insured.
  2. Wilful act or gross negligence of a person who is entitled to receive the benefits under this policy.
  3. The Insured's act of fighting, committing or attempting suicide or committing crime.
  4. Brain complaint, disease, mental disorder or drunkenness of the Insured.
  5. Pregnancy, childbirth, miscarriage, surgical operation or other medical treatment.
  6. Accident arising while the Insured is under the exclusion of a sentence, detention or imprisonment.
  7. Earthquake, volcanic eruption or tidal wave.
  8. War, military act of foreign nation, revolution, insurrection, civil war, armed rebellion and other disturbance or riot, or terrorism.
  9. Illegal control of aircraft or vessel.
  10. Nuclear radiation or radioactive contamination.
  11. Radioactivity, explosive nature or other harmful nature.
  12. Accident incidental to any of the accident described in the proceeding item 7, 8, 9, 10 and 11.
  13. Other exclusions as defined in the insurance policy.

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