A personal accident policy indemnifies the insured in case of accidents by taking into account the disability, the accident may have caused to his earning capacity.

Features:

A personal accident policy is an Annual Policy.
It covers death or bodily injury due to accident. The Sum insured is based on earnings and capacity to pay premiums.

Compensation:

The policy is divided into various risk categories and the compensation is awarded to the insured depending on the category that is applicable to him.

Exclusions:

Services on duty with any armed Force.
Intentional self-injury, suicide or attempted suicide, insanity, venereal diseases or the influence of intoxicating drugs.
Medical or Surgical treatment (except in cases where such treatment is necessary within the scope of the policy).
Nuclear radiation or nuclear weapons materials.
Any consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), Civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraint and detrainments of all kinds, princes and people of whatsoever nation condition or quality.
Childbirth, pregnancy or other physical caused peculiar to the female sex.
Whilst committing any breach of law with criminal intent.online premium comparision.

The Oriental Insurance has a various types of Personal Accident Policy for Death, Disability & Compansation Insurance Cover. How much Maximum and Minimum Sum Assured or Premium Required for purchasing a new Personal Accident Insurance Policies on your All the Family Members cover for Father, Mother, Spouce, Childrens, Dependents Life visit our Contact us page to type your querry.

Contact us for Premium Rates on Personal Accident Insurance Policies for The Oriental Insurance & ICICI Lombard General Insurance Company India.

The Policy Covers : If at any time during the currency of the policy the insured person shall sustain any bodily injury solely & directly from accident caused by external violent and visible means then Company shall pat to insured or his legal personal representative as the case may be sum or sums as per terms / condition of the policy. 

ADDITIONAL BENEFITES FREE OF COST AVAILABLE UNDER ALL TABLES : 

Expenses incurred for carriage of dead body of Insured Person (death due to accident only) to place of residence subject to a maximum of 2% of the CSI or Rs. 2500/- Whichever is less.

EDUCATIONS GRANT :In the event of death or permanent total disablement of the insured du e to accident as defined in the policy, the policy shall also pay following amount as education grant for dependent children. 

 Note :

 (1) Limit of Age is 5-702 years.
(2) The aforesaid limits would apply cumulatively in the event of there being more than one policy on the life of the       insured person.
(3) The Proposer may choose any one or more the above tables.
(4) The Cover is worldwide.
(5) Cumulative Bonus : The Sum payable under item 1 to 4 is increased by 5% each year on renewal of Policy upto a limit       of 50 percent. Earned cumulative bonus will not be lost if the Policy is renewed within 30 days of its expiry.

Family Package Cove :

Family Package Cover can be granted on the following pattern :

 Note :

1. For Children the maximum cover shall be limited to Death and Permanent Disablement (total and partial)i.e. upto Table B benfits only.
2. A discount of 10% may be granted on the gross premium under the Family Package Cover.
3.Where Sum Insured petaining spouse works out to less than the Sum Insured allowable, if such spouse was not earning the Later Sum Insured may be allowed.

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