This policy is designed to cater to a larger population, covering both urban and rural areas, to meet sudden accidental expenses.
There are a total six plans (Gold Plan, Plan A, Plan B, Plan C, Plan D, and Plan E) under this policy depending on the area, i.e., metropolitan cities or rural areas.
With affordable premiums and multiple plans to choose from, you get a variety of options that best suit your needs.
Features |
Gold Plan |
Plan A |
Plan B |
Plan C |
Plan D |
Plan E |
Sum Insured (in Rs.) |
3 lakhs |
3 lakhs |
2 lakhs |
1 lakh |
50, 000 |
50,000 |
Accidental Hospitalization |
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Outpatient Fracture |
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Hospital Cash |
Rs.1000 /day |
Rs.1000 /day |
Rs.1000 /day |
Rs.500 /day |
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Post-Hospitalization (Up to 60 days) |
Rs.10,000/accident |
Rs10,000/accident |
Rs.10,000/accident |
Rs.10,000/accident |
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Personal Accident Cover |
Same as Sum Insured |
Same as Sum Insured |
Same as Sum Insured |
Same as Sum Insured |
Same as Sum Insured |
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Coverage for hospitalization due to accidents that includes expenses like nursing, room, specialist fees, reconstructive surgery, medicines, surgeon, anesthetist, etc.
Depending on the plan, you will be given a cash allowance to cover incidental expenses.
Fractures that are confirmed by a medical professional and do not require hospitalization will be covered.
Coverage for costs incurred to attend physician, physiotherapy, etc., for up to 60 days from the date of discharge.
Depending on the plan you choose, accidents that cause death or disablement within 12 months of injury will be covered in this policy.
Compensation of up to 10% of the sum insured is given to dependent children in the event of death or permanent disablement of the insured person.
This policy covers ambulance charges of up to Rs. 1000 per hospitalization. You can avail this benefit maximum 3 times per policy year.
Any anomalies or congenital defects are not covered.
Any dental procedure that is not directly related to an accident and requiring hospitalization.
Injuries suffered as a result of accidents caused by driving under the influence of alcohol or drugs.
Pregnancy or childbirth are natural occurrences. Expenses towards miscarriage (unless due to an accident) will not be covered.
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an accident won’t be covered.
Expenses incurred for injuries sustained while performing adventure sports like para-jumping, rock climbing, mountaineering, rafting, etc.
Injuries caused by exposure to radiation, explosives, or any other nuclear component will not be covered.
Fractures caused by degeneration of bones or pathological conditions like Paget's disease/Osteogenesis imperfecta are not covered.
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