United India Individual Personal Accident Policy

Policy Benefits

• Accidental death (AD) within 12 calendar months from the date of occurrence of injury is covered up to the 100% of the Sum Insured (SI) opted under the policy.
• Permanent total disability (PTD) within 12 calendar months from the date of occurrence of injury is covered up to 100% of SI.
• Permanent partial disability (PPD), within 12 calendar months from the date of occurrence of injury is covered up to a percentage of SI as mentioned under the sub limits.
• Temporary total disability (TTD) is covered under this policy for a maximum of 100 weeks.
• Expenses incurred towards the transportation of mortal remains to the insured’s residence are payable under the policy.
• In case of a claim under AD/PTD, education fund is payable to dependent children aged below 23 years (as on the date of the accident).
• Medical expenses incurred are covered under this policy. It is available on payment of additional premium.

Value Added Benefits

• Avail cumulative bonus. 5% sum insured is increased for each no-claim policy year.
• Worldwide coverage available for accidents.
• 7 days claim settlement assurance, else the claim amount is payable along with an interest rate which is 2% above the bank rate.
• Medical expenses incurred under two policy periods are covered with the available sum insured in the two policy periods, including deductibles.

Sub Limits

• Permanent partial disability is covered in-between 1% to 50% of SI or as assessed by the doctor.
• Temporary total disability is payable up to 1% of SI, up to a maximum of Rs 5,000 per week. It shall not exceed 25% of the monthly salary.
• Expenses for the transportation of mortal remains is covered up to 2% of SI or Rs 2,500 whichever is less.
• Education fund for one dependent child is paid up to 10% of SI, to a maximum of Rs 5,000. For more than one dependent child, it is paid up to 10% of SI, to a maximum of Rs 10,000.
• Medical expenses are covered up to 50% of the admissible claim amount, 10% of SI, or the actual expenses incurred.

Waiting Period Clause

No waiting period is applicable under this policy.