Personal Accident Insurance 

Personal accident insurance will provide compensation in accordance with a Scale of benefits if the insured person during the period of insurance shall sustain bodily injury caused by violent , accidental, external and visible means resulting in death or disablement. 

1. Lumpsum: Sum Assured 

Cover: (1). Bodily Injury / Death or Disability: (A) Violent 

                                                                        (B) Accident 

                                                                        (C) External and Visible 

Sum Insured payable 

(a) Death 

(b) Permanent total disablement 

(c) Loss of 2 Limbs 

(d) Loss of sight 

2. Income Cover:  1. Weekly Paid (1%of sum assured or weekly income) :- Max 104 Weeks 

                              2. Temporary total disablement (cant work) 

                              3. Temporary partial disablement. 

Personal Accident  Exceptions 

Death or Bodily Injury Form  

1. War, Insurrection 

2. Radioactive - Nuclear Contamination 

                          Nuclear Weapons 

3. Arm Forces - Police, Army etc. 

4. Intentional self Injury (Suicide, Insanity)

5. Veneral Diseases, Drugs addiction, AIDS 

6. Underwater activities, Rock climbing 

7. Driving or Riding a Motor Cycle, Motor scooter. 

8. Woodworking Machinery 

9. Pregnancy 

10. Travelling other than a fare paying passenger 

Underwriting Factors 

1. Occupation 

2. Age 

3. Height and Weight 

4. Employer; Self employed, employee 

5. Exposure to: (a) Machinery 

                         (b) Equipment 

                         (c) Tools 

                         (d) Chemicals 

6. Pursuit of hazardous occupations or sports.

7. Physical or Mental Condition 

8. Insurance history. 

9. Previous injuries, illness or conditions.