Raheja QBE Individual Personal Accident Insurance Policy

Policy Benefits

• This policy covers accidental death up to the Sum Insured (SI) as stated in the schedule.
• Permanent, total & absolute disablement is covered up to SI as mentioned in the policy schedule.
• Total and irrecoverable loss of sight of both eyes/physical separation of two entire feet/two entire hands/one entire hand and one entire foot/sight of one eye and loss of one entire hand or one entire foot is payable up to SI as specified in the schedule.
• Loss of use of two hands/two feet/one hand and one foot/loss of sight of one eye and use of one hand or one foot is payable up to SI as mentioned in the schedule.
• Loss of sight of one eye/loss of use of one hand or one foot (with or without physical separation) is covered up to the sub limit.
• Permanent Partial Disablement is payable up to a percentage of SI as applicable.
• Temporary Total Disablement is covered as specified in the sub limit.
• Loss/damage to clothing due to accident is covered under this policy.
• Transportation cost of mortal remains is payable. It also includes funeral expenses.
• In case of Accidental Death/Permanent Total Disablement, education assistance is provided up to a maximum of 2 dependent children.
• In the event of Accidental Permanent Total Disablement, Loss of employment is payable.
• Medical expenses incurred following an accident are covered up to an amount as specified in the policy schedule. It becomes applicable on payment of additional premium.
• Hospital Confinement Allowance is payable on payment of additional premium, as applicable.

Value Added Benefits

• Ambulance charges incurred following an accident are covered.
• Earn cumulative bonus as 5% increase in SI for each completed claim-free year, subject to a maximum of 25% of SI.
• Worlwide coverage for accidents is available.

Sub Limits

• Loss of sight of one eye/loss of use of one hand or one foot (with or without physical separation) is capped up to 50% of SI.
• Permanent Partial Disablement is covered in-between 1% to 75% of SI or as assessed by the panel doctor.
• Temporary Total Disablement is capped up to 1% of SI or Rs 5,000 per week whichever is lower. This benefit is payable to a maximum of 104 weeks.
• Ambulance charges are payable up to Rs 1,000.
• Loss/damage to clothing is capped up to Rs 1,000.
• Cost for carriage of mortal remains is capped up to 1% of SI or Rs 2,500 whichever is less.
• Education fund assistance of Rs 5,000 for each dependent child.
• Loss of employment is covered up to 2% of SI.
• Hospital Confinement Allowance of Rs 500 per day for a maximum of 30 days is payable.

Waiting Period Clause

No waiting period is applicable.