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Apollo Munich Personal Accident Standard Plan

What is the Plan all About?

Personal Accident Standard Plan from Apollo Munich provides complete cover against accidental death, permanent total disablement & permanent partial disablement. This personal accident plan provides financial stability to your family, in the event of an accident.


What are the Key Features?

  • Personal accident cover for your family
  • Coverage against accidental death/PTD/PPD
  • Worldwide coverage for injuries
  • Get 10% family discount
  • Flexibility to choose the sum insured
  • No maximum cover ceasing age
  • Lifetime renewability

What are the Plan Benefits?

Policy Benefits

    • In case of Accidental Death (AD), a lump sum amount is payable up to 100% of the sum insured.
    • A percentage of the AD sum insured as a lump sum is paid, in the event of Permanent Total Disablement (PTD).
    • A fixed percentage of the AD sum insured as a lump sum is paid, in the event of Permanent Partial Disablement (PPD).
    • In the event of Temporary Total Disablement (TTD), a weekly allowance is paid to the insured to compensate the loss of income. This benefit does not exceed the insured’s base weekly income.
    • In the event of claims under AD/PTD, education fund is paid to the dependent children. This benefit is applicable, if such dependent children are pursuing a full-time educational course.
    • In the event of claims under AD/PTD, family transportation is reimbursed for transporting one immediate family member to the hospital.
    • Accidental medical expenses are payable under this policy.
    • Charges incurred for transportation of mortal remains are reimbursed under the policy.

Value Added Benefits

    • Charges incurred towards Emergency Ambulance services for transferring the insured person to the nearest hospital are reimbursed up to the actual expenses incurred.
    • Get cumulative bonus as 5% increase in sum insured for a claim-free policy year, to a maximum of 50%. This benefit is applicable for AD/PTD/PPD.
    • Get 10% discount on covering two or more family members.
    • Option to renew the policy for your entire life and stay covered against accident perils.

Sub Limits

    • For permanent total disablement, 50% sum insured is paid for loss of a limb/complete and irrecoverable loss of sight of an eye. 100% sum insured is paid for loss of 2 limbs/complete and irrecoverable loss of speech & hearing of both ears/Loss of a Limb and an eye/complete and irrecoverable loss of sight of both eyes.
    • 2% to 70% of the sum insured is paid towards permanent partial disablement, depending on the injury/loss sustained.
    • For temporary total disablement, up to 1% of the sum insured for each week is paid for a maximum of 100 weeks from the date of the accident. It is paid up to 100% of AD sum insured, to a maximum of Rs 5 Lacs.
    • Emergency ambulance charges are payable up to Rs 2,000.
    • Accidental medical expenses are covered up to 10% of AD sum insured, to a maximum of Rs 50,000.
    • Education fund is paid up to 50% of the sum insured for each dependent child to a maximum of 2 children. It is 10% of Accidental Death (AD) sum insured, to a maximum of Rs 20,000.
    • Transportation of mortal remains is payable up to 2% of AD sum insured, up to a maximum of Rs 10,000.
    • Family transportation expenses are covered up to 1% of AD Sum Insured, maximum up to Rs 50,000.

Waiting Period Clause

    No waiting period is applicable under this policy.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Child: 91 Days 69 Years
Accidental Death Sum Insured 1 Lac 50 Lacs
Cover Type Individual/Family -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days -
Freelook Period 15 Days -
Riders Nil -
Plan Type Online -


  • Any pre-existing condition or complication
  • Suicide/Attempted suicide
  • Participation in any dangerous acts/sports
  • Abuse of intoxicants/hallucinogenic substances
  • Mental disorder
  • War, invasion, or act of foreign enemy
  • Congenital internal/external disease
  • Non-allopathic treatment
  • Bacterial infections, Hernia, Medical/Surgical treatment (for AD/PTD/PPD/TTD), etc.