This document provides an overview of an accident trauma care insurance policy. It covers accidental death, permanent total disability, and hospitalization expenses following an accident. Key details include:
- The policy covers accidents both inside and outside of work. It provides compensation for death or disability occurring within 12 months of an accident.
- Hospitalization expenses covered include room rent, nursing care, surgery costs, medicines and diagnostic tests.
- Risk groups I and II can be covered but not group III (manual labor).
- Sum insured amounts are in multiples of Rs. 5,000 up to Rs. 100,000 for each section.
- Premium rates start at Re. 1 per thousand for section I and Rs. 2 per
14. Risk Groups that can be covered Risk Group I Persons engaged primarily in administrative functions Risk Group II Persons engaged in manual work other than what is specifically provided under Group III Note: Risk Group III cannot be covered under this policy.
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16. Premium Rating Note: Rate provided is “Per Mille” i.e., Per Thousand Minimum Premium: Rs. 100/- Section Coverage Rate I PA Re. 1 per mille II (a) Basic cover i.e., Hospitalisation for Grevious Injuries Rs. 2 per mille II (b) Additional coverage for workplace accidents Re. 1 per mille
17. Group Discount Group Discount Applicable to Accident Trauma Care (Group) Policies Number of persons Discount on the final premium 101-1000 5% 1001-10000 7.5% 10001-50000 10% 50001-100000 12.5% 100001- 200000 15% 200001-500000 20% 500001-1000000 25% Above 1000000 30%
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