If at any time during the currency of the Policy, the insured dies or sustains any bodily injury resulting solely and directly from accident caused by external, violent and visible means, the Personal Accident Policy would indemnify the victim/legal heirs of the deceased.
Scope of Cover
The insurance provides compensation in the event of death or disability as a direct result of accident based upon the sum assured, nature of disablement/injury, etc.
Different coverages are available ranging from a restricted cover of Death only, to a comprehensive cover covering Death, Permanent Disablements and Temporary Total Disablements. In addition to that that the cover can also be extended to include Medical Expenses due to accident and Expenses of Repatriation of mortal remains following accidental death for a specified limit.
This policy is basically designed to offer compensation to the insured person who dies or sustains bodily injury solely as a result of an accident which is external, violent and visible. Hence death or injury due to any illness or disease is not covered by the policy.
The policy operates worldwide and is a 24 hours cover
