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Product Detail

Group Personal Accident Insurance


Group Personal Accident Policy is taken to avail financial relief in the event of an accident which results in death or bodily injury of the insured person.

A lump sum payment as designated in the policy as sum insured against the given person is paid in the event of death to the next of kin/nominee of the insured person.

However in the case of bodily injury a fixed percentage of the given sum insured is paid as per the degree of disablement caused which is decided upon by a competent Doctor.


1.  Accidental Death:  A Sum equal to the sum insured mentioned in the policy is payable to the nominee of the insured.

2.  Accidental Disability (permanent total/partial disablement):  The amount of payment of claim depends upon the extent of disability which is decided upon in percentage terms (%age of sum-insured for claim point of view), by competent qualified doctor. In certain cases, i.e. loss of two eyes or two limbs, the disability is declared as total and full sum insured is paid as claim.

3. Loss of Pay (temporary total disablement):  In case the insured is bed ridden due to an accident and is not able to attend office, the policy pays 1% of the Sum Insured or maximum of Rs. 5000/- per week, but not exceeding 104 weeks.

4. Medical Expenses:  The policy reimburses medical expenses incurred on treatment incase of an accident.

The payment of claim is subject to capping of 10% of SI or 25% of the admissible claim amount, whichever is less.


(The details are indicative and not exhaustive) No-payment or compensation made for death, injury or disablement of insured person if arising:

a) From intentional self-injury, suicide or attempted suicide.

b) Whilst under the influence of intoxicating liquor or drugs.

c) Whilst engaging in aviation of ballooning.

d) Directly or indirectly caused by venereal disease or insanity.

e) Arising or resulting from the insured committing any breach of the law with criminal intent.

f) Traceable to war etc., ionizing radiations, nuclear weapons/ material.


1.  Accidents mean anything, which is unforeseen, and therefore cover all types of accidents including road accidents.

2.  It is a 24 hours cover, world wide.

Features of the policy may change as per requirement of the insured and terms expressed on the face of the policy