Liberty General Individual Personal Accident Policy

Policy Benefits

• Accidental death (AD) resulting from any bodily injury is covered up to the Capital Sum Insured (CSI) opted under the policy.
• Permanent Total Disability (PTD) resulting from any accidental bodily injury is covered up to 100% of CSI.
• Loss of sight of one eye/total and irrecoverable loss of use of one hand or one foot is covered up to the sub limit applicable.
• Permanent Partial Disability (PPD) arising from accidental bodily injury is covered up to the sub limit mentioned in the policy schedule. This benefit is applicable under Wide & Comprehensive Cover.
• Temporary Total Disability (TTD) due to accidental bodily injury is payable to the sub limit specified in the schedule. This benefit is applicable under Comprehensive Cover.
• In case of AD/PTD, Child Education Benefit is payable for up to 2 dependent children below 25 years of age.
• Cost of Transporting Mortal Remains is covered in this policy. This benefit is payable when place of death is 100 kms or more from the insured’s place of residence.
• Cost incurred towards performing Funeral Ceremony is covered.
• Various Add-on covers are available to enhance policy coverage on payment of additional premium which are Accidental Hospitalization Expenses, Accidental Hospital Daily Cash, Child Education Support Benefit, Life Support Benefit, Loan Protector, Broken Bone Modification of Vehicle/Residence,Family Transportation Benefit, Outstanding Bills Protection Benefit, Ambulance Hiring Charges, Legal Bail Expenses and Double Indemnity.

Value Added Benefits

• Ambulance charges are covered on payment of additional premium.
• Family cover can also be opted under this policy.
• Get Global coverage for personal accident.
• Restoration of the Sum Insured, in case of a death claim for members other than the primary insured.
• Enjoy lifelong renewal and get personal accident cover for your entire life.
• Sum insured enhancement can be opted at the renewal, subject to approval and acceptance by the company.
• Get cumulative bonus as 5% increase in CSI on completion of each claim-free policy year, to a maximum of 50% of CSI. This benefit is applicable up to 10 claim free years.
• Grab 5%/10%/15% discount on covering 2/3/4 members respectively.
• 10% Employee discount & 20% Online policy booking discount.
• 8%/15% discount on choosing 2/3 year policy term.

Sub Limits

• Loss of sight of one eye/total and irrecoverable loss of use of one hand or one foot sipped up to 50% of CSI.
• Permanent Partial Disability is capped in a range of 2% to 70% of CSI or as assessed by a Registered medical practitioner.
• Temporary Total Disability is paid as a weekly benefit not exceeding the sum insured available for this benefit.
• Child Education Benefit is covered up to the maximum sum insured available against this benefit.
• Cost of Transporting Mortal Remains is capped up to the maximum liability mentioned in the schedule.
• Cost of Performance of Funeral Ceremony up to the liability specified in the policy schedule.

Waiting Period Clause

No waiting period is applicable under this policy.