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a)
Personal
Accident Benefit Part.
This consists of the following
benefits if the insured sustains bodily injury due to accident caused by external, violent, visible means.
Death -
Rs. One Lakh
Loss of one limb or one eye -
Rs. Fifty Thousand
Permanent Total Disability -
Rs. One Lakh
This part of the policy covers
death / disability on 24 hour basis and is not limited only to accidents due
to rail/road travel, but covers all types of accident.
b)
Personal
Accident Reimbursement Part.
If the insured person sustains
bodily injury which requires medical treatment as advised by a qualified Medical Practitioner arising solely and
directly from rail/road accident, the expenses for the medical expenses for
treatment as under:-
Hospitalisation expenses for
medical / surgical treatment at nursing home / hospital as an inpatient -
up to Rs. One Lakh.
Outpatient treatment up to
Rs. 10,000/- within the overall limit of Rs. One Lakh above.
Domiciliary hospitalisation is
also covered in case the patient cannot be removed to the hospital or for
lack of accomodation in hospital.
Premium : Rs. 150/- for each insured person per year.
The policy has an assignment
clause to help the insured to nominate the beneficiary in case of unfortunate
death due to accident.
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