1. Accidental Death – Payment of sum insured in case of death of insured person due to an accident.
2. Accident Hospital Cash – Lump sum payment for each day of accidental hospitalization.
3. Accident In-patient Hospitalisation with Restore Benefit
3.1. Accident In-patient Hospitalisation – Reimbursement of medical expenses incurred on accidental
hospitalization of insured person. Expenses for 30 days of pre-hospitalization, 60 days of post hospitalization and daycare procedures are also covered.
3.2. Restore Benefit – Instant addition of 100% accident in-patient hospitalization sum insured upon partial/complete utilization of your accident in-patient hospitalization sum insured during the policy tenure.
4. Accident Out-patient Expenses – Reimbursement of out-patient medical expenses incurred following an accident. Out-patient expenses include, diagnostic tests, vaccinations, pharmacy, consultations with a medical practitioner, plaster cast, crutches, minor OT charges. A deductible of Rs 500 shall apply to eachand every claim.
5. Adventure Sports – Payment of sum insured in case of death or permanent total disability of insured member while he/she was engaged in adventure sports in a non-professional capacity and under the supervision of trained professional.
6. Broken Bones – Lump sum payment of pre-defined percentage of sum insured basis the severity of fracture caused due to an accident.
7. Burns – Lump sum payment of pre-defined percentage of sum insured basis severity and degree of burns due to an accident.
8. Cremation Ceremony – Lump sum payment for performing the cremation ceremony
9. Coma – Lump sum payment basis the number of weeks for which insured person is in state of coma due to an accident.
10. Carrier – Payment of sum insured in case of death or permanent total disability of insured person. Insured person should have been traveling as a fare paying passenger in a carrier at the time of accident.
11. Cost of Prosthetics – Reimbursement of cost of medically necessary prosthetic devices, orthopedic braces and durable medical equipment. This is payable in case of permanent total disability of insured member.
12. Elderly Care – Lump sum payment to support elderly parent(s) in case of death or permanent total disability of insured member.
13. Education Fund on Disability of Dependent Child – Payment of sum insured for the education of insured child in a special school or institution following permanent total/ partial disability due to an accident.
14. Emergency Road Ambulance Charges – Reimbursement of expenses incurred on an ambulance used to transfer the insured person to a hospital following an accident.
15. Emergency Air Ambulance Charges – Reimbursement of expenses incurred on an air ambulance used to transfer insured person within India.
16. Education Fund – Lump sum payment of sum insured towards education of dependent children in case of accidental death or permanent total disability of insured member.
17. Family Transportation – Reimbursement of expenses incurred in transporting one immediate family member to the hospital where the insured person is admitted following an accident.
18. Homemaker Care Allowance – Lump sum payment of sum insured in case of non-earning spouse’s hospitalization for more than 7 continuous days due to an accident.
19. Head and Spinal Injury – Reimbursement of expenses incurred on diagnostic tests (e.g. X-ray, MRI, CT scan, ultrasound) of head/ spine conducted within 3 months of an accident.
20. Loan Secure – Payment of outstanding principal loan amount in case of death or permanent total disability of insured member. Outstanding principle loan amount would not include any arrears or penalties levied by the bank or financial institution.
21. Marriage Expenses for Children – Payment of sum Insured as marriage expenses for unmarried dependent child of the insured person, provided that our maximum liability under this benefit for all dependent children, irrespective of the number of dependent children shall be limited to the Marriage Expenses Sum Insured. This is payable only in case of death or permanent total disability of the insured member.
22. Modification of Residence/Vehicle – Reimbursement of expenses incurred to modify the insured person’s residential accommodation or vehicle in case of his/her permanent total disability.
23. Multiple Member Disability – Payment of 20% extra PTD amount in case two or more insured persons get permanent disablement in same accident.
24. Permanent Total Disablement (PTD) – Lump sum payment of pre-defined percentage of sum insured basis the severity and disability caused by the accident.
25. Permanent Partial Disablement (PPD) – Lump sum payment of pre-defined percentage of sum insured basis the severity and disability caused by the accident.
26. Pet Care – Payment of fixed daily amount to take care of pet in case the insured person is hospitalized.
27. Purchase of Blood – Reimbursement of expenses incurred in purchasing blood through a hospital or lawful blood bank for insured person following an accident.
28. Transportation of Mortal Remains – Reimbursement of expenses incurred on transporting the mortal remains of the insured person from the place of the accident/ hospital to residence/ burial ground.
29. Temporary Total Disablement (TTD) – Payment to compensate for the loss of income in case the insured person is not able to work due to an accident.
30. Transportation of Imported Medicine – Reimbursement of expenses incurred on freight charges for importing medicines to India, provided that such medicines are not available in India.