Shriram General Personal Accident Policy

Policy Benefits

• Accidental Death (AD) resulting from any bodily injury within twelve months from the date of such injury, is covered up to the Capital Sum Insured (CSI) as specified in the Schedule. Death due to accident while travelling with a commercial aircraft/ship is payable up to 200% of CSI.
• Loss of sight of both eyes/one entire hand and one entire foot, two entire hands or two entire feet, loss of sight of one eye and one entire hand or one entire foot are covered up to CSI as specified in the Schedule.
• Loss of use of two hands/two feet/ sight of one eye and one hand or one foot/one hand and one foot is payable up to CSI opted under the policy.
• Loss of use of a foot/a hand without physical separation is covered as specified in the sub limit.
• Loss of sight of one eye/loss by physical separation of one entire foot or one entire hand is covered as specified in the sub limit.
• Permanent, total & absolute disablement is covered up to 100% of CSI.
• Permanent partial disablement is payable up to a specific percentage of CSI as mentioned in the sub limit.
• Medical expenses incurred in amputation are covered as stated in the schedule.

Value Added Benefits

• Avail portability benefit at policy renewal.
• Family cover can be opted under this policy.
• Grab 10% premium discount on choosing Family cover.
• Worldwide coverage for accidents is available.

Sub Limits

• Loss of use of a foot/a hand without physical separation is covered up to 50% of CSI.
• Loss of sight of one eye/loss by physical separation of one entire foot or one entire hand is covered up to 50% of CSI.
• Permanent partial disablement is payable in-between 1% to 50% of CSI or any other percentage of CSI as assessed by the panel doctor.
• Medical expenses are capped up to Rs 5,000 per amputation.

Waiting Period Clause

No waiting period is applicable.