The policy will pay for occurrence of

• death,
• total loss of two limbs or two eyes,
• total loss or one limb and one eye,
• total loss of one limb or one eye
• Permanent total and partial disablement.

during the policy period be the sole and direct cause of an accident

Any person can reclaim all the medical expenses incurred in a Hospital/Nursing home because of an accident.

Insurance can be taken for a value of 25,000/- to 1,00,000/- for a period of 1 to 5 years.

If the Insured / Injured person shall sustain any bodily injury resulting solely and directly from accident caused by outward, violent and visible means then the company shall pay to the Insured the sum herinafter set forth that is to say:

if such injury shall within twelve calender months of its occurencce be the sole and direct cause of the

• death

• total and irrevocable loss of sight of both eyes or both hands or both Legs

• total and irrevocable loss of sight of one eyes or one entire hand or one entire Leg

• Permanent or partial or absolute diablement

if the insured has to go undergo Medical treatement as adviced by a qualified physician / Medical Specialist for bodily injury RESULTING SOLELY AND DIRECT FROM road accident which would normally give rise to Third Party Claim under Motor Policies. Hospitalisation expenses for such  treatment not exceeding the Sum Insured is payable under following heads.

• Room, Boarding expenses as provided by the Hospital / Nursing Home.
• Nursing Expenses
• Surgeon, Anaesthetist, Medical Practitioner, Consultant's Specialist's Fee
• Anaesthecia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Drugs etc..
• Ambulance Charges

• It is hereby agreed and declared that notwithstanding anything in the within mentioned policy contained to the contrary, this insurance extends to covers hospital expenses incurred due to accident during and in course of employement to the extent of Sum Insured ( as defined under Workman's Compensation ACT ). It is imperative that this extension is offered only if section I covering PA is covered.

• Hospitalisation expenses arising solely because of Road accident

• 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 / attempted suicide, VD, Criminal breach of law, influence of liquor / drugs.

• Any Hospital Expense not directly related to road accident as defined.

• War and nuclear perils

• Naturopathy treatment

• Compensation under more than one clause for the same period of disability not exceeding capital Sum Insured