Some companies covers claims arising out of Terrorism or acts of Terrorism
No health check-up required for policy issuance
Worldwide coverage of the policy
It gives coverage starting from 5 lacs to 50 lacs
Free lookup period of 15 days
5% per claim free year to a maximum of 50%.
Family discount of 10%
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Accidental insurance policies
1. Accidental Insurance
Policies in India
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Created by : jagoinvestor.com
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2. What is Accidental Insurance policy
Covers you from
Accidental Death
Permanent Total Disability (Loss of both hands , Loss of both )
Permanent Partial Disability (Loss of 1 hand , Loss of 1 Leg , Loss of 1 eyes)
Temporary Total Disability (Fracture , Bed rest )
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3. Other Benefits
No health check-up required for policy issuance
Worldwide coverage of the policy
It gives coverage starting from 5 lacs to 50 lacs
Free lookup period of 15 days
5% per claim free year to a maximum of 50%.
Family discount of 10%
Tax benefit under Section 80 D of the Income Tax Act, 1961.
Some companies covers claims arising out of Terrorism or acts of
Terrorism
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4. What is not included
Intentional self-injury, suicide or attempted suicide.
Influence of intoxicating liquor or drugs
By committing any breach of law with criminal intent
Suffering from any pre-existing condition or pre-existing physical or
mental defect or infirmity.
Aircraft pilots and crew , Armed Forces personnel and Artistes engaged
in hazardous performances are totally excluded
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5. Premiums depend on Work Profile
LOW RISK (Level 1) HIGH RISK (Level 2)
Doctors Mines workers
Bankers circus personnel
Teachers bungee jumping,
Accountants Mountaineering
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6. Policies Example 1
Bajaj Allianz Premium Personal Guard
Premium for 20 lacs of sum assured – Rs 2875
Claims Paid Ratio – 91%
Does not cover against Terrorism
Entry Age – 18-65 yrs
Permanent Total Disablement – 200% of Sum Assured
Permanent Partial Disablement – upto 70% of Sum assured
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