Individual Personal Accident Grand
Enhanced Protection for Accidents
This policy covers various type of accidents that may occur to anyone and anywhere. It provides complete financial coverage depending on the severity of accident.
You can enjoy policy benefits without any prior medical check-ups.
Accidents can happen anywhere in the world, and hence no matter where you go, Individual Personal Accident Grand insurance will cover you financially.
Unlike health insurance, there is no waiting period for this policy. Your policy benefits become applicable the day you purchase it.
Individual Personal Accident Grand insurance covers an array of accidents and provides many other benefits, giving you complete protection from unforeseen accidents.
Features |
Coverage |
Hospital cash allowance |
0.25% of sum insured |
Modification allowance (house/car) |
5 % of sum insured |
Foreign object injury allowance |
10% of sum insured |
Supporting item cover |
Up to actuals |
Repatriation of mortal remains |
Rs. 2500 |
Ambulance charges |
Rs. 1000 |
Damage to clothes |
Rs. 1000 |
Loss of employment (one-time payment) |
1% of sum insured |
Education fund (one-time payment) |
Minimum Rs. 5000 and Maximum Rs. 10000 |
Get Cashless Treatments in 7000+ Network Hospitals
Any accident leading to disability or loss of life while onboard an aircraft is covered.
Coverage for injuries sustained or accidental death while traveling via rail, road or ship.
Get medical expenses covered if you suffer from burns due to an accident.
Injuries caused by snake bite or animal attack are covered with our plan.
If you get injured during an ac of terrorism, your medical expenses will be covered with this policy.
Coverage for ambulance charges for amount up to Rs. 1000.
In case of accidental disability or death of the insured person, get education of dependent children covered.
Get financial support if you happen to lose your job while you recover from an accidental injury.
If during the treatment, the insured suffers side-effects of medication including anaesthesia will be covered.
*Note: Please refer to the policy wording for a detailed list of inclusions and conditions.
Incidents like civil war, nuclear war, invasion, rebellion, etc.
Exposure to radioactivity or nuclear waste.
Self-inflicted injuries or suicide attempts.
Accidents or injuries caused while being under the influence of drugs or alcohol.
Childbirth is a natural occurrence.
People engaged in high-risk professions like armed forces, police personnel, ship crew, border security personnel.
Injuries sustained while doing rafting, ice hockey, polo, racing on wheels, winter sports, etc.
*Note: Please refer to the policy wording for a detailed list of exclusions and conditions.
Reasons |
Individual Personal Accident |
Individual Personal Accident Grand |
On board an Aircraft |
100% of CSI |
300% of CSI |
On board Rail/Road vehicle/Ship |
100% of CSI |
200% of CSI |
Accidental Burns |
100% of CSI |
200% of CSI |
Snake Bite/ Animal Attack |
100% of CSI |
200% of CSI |
Other accidents |
100% of CSI |
100% of CSI |
*CSI- Capital Sum Insured
Reasons |
Individual Personal Accident |
Individual Personal Accident Grand |
Permanent Total Disablement -Loss of Sight -Loss of Two Limbs -Loss of One Limb and One Eye |
100% of CSI |
150% of CSI |
Permanent Partial Disablement |
Depends on the degree of disablement |
Depends on the degree of disablement |
Temporary Total Disablement |
1% of CSI or Rs.6000 whichever is lower |
1% of CSI |
Death/Permanent disablement caused by (Adverse drug reaction) |
Not covered |
Not covered |
*CSI- Capital Sum Insured
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Inform IFFCO Tokio
Duly filled claim form
Investigation reports (laboratory tests or X-ray’s)
Police report (If applicable)
Proof of admission and discharge in hospital.
Death certificate
Post-mortem report
Legal heir ship certificate
Original policy document copy
