UIIC

Products - Personal-accident

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Note : A brief snapshot about the policy is given.For complete information refer to policy wordings or visit our nearest branch office.

We Cover

Physical loss to an individual due to an accidental injury ( including fatal)

Who can be Insured ?

Any individual or group of individuals ( through employer association and institution etc) aged between 5 and 70. Subject to medical examination at 70 a person can be covered up to 80.

Insured against what risk ?

Death or disablement from accidental bodily injury ( anywhere in the world).

When an accidental injury being the sole and direct cause results ( during the period of insurance) in:

Death	100 % of Sum Insured
Permanent Total Disablement	100 % of Sum Insured
Loss of two limbs/ Two eyes or one limb and one eye	100 % of Sum Insured
Loss of one limb or one eye	50 % of Sum Insured
Permanent Partial Disablement	Varying % of Sum Insured as per policy
Temporary Total Disablement	1 % of Capital Sum Insured per week Subject to a maximum of Rs 3000 per week for a maximum period of 100 weeks

On payment of extra premium medical expenses incurred up to 25 % of claim or 10 % of Sum Insured can be covered.

Policy also pays for education fund for dependant children (2) of deceased insured and expenses of carriage of dead body of insured from accident site ( as per details in policy)

Attractive cumulative bonus at the time of renewal by way of increasing the Sum Insured by 5 % for each completed claim free year of insurance ( maximum of 50 % CSI ) without collecting extra premium as per policy.

Policy will not pay under below circumstances:

Compensation under more than one clause for same period of disability not exceeding capital sum insured
Any payment after admission of a claim for 50 % / 100 % of Capital Sum Insured
Any claim in the same period of insurance exceeding the Capital Sum Insured
Suicide attempt there at VD criminal breach of law accidental death/injury under influence of liquor/drugs
Pregnancy related claim
War and nuclear perils

Particulars of cover liability and exclusion given above are not complete or exhaustive :
Our nearest Branch Office branch may be approached for complete details.