INDIVIDUAL PERSONAL ACCIDENT POLICY

Definition of an Accident RESULTING TO –  Death  PTD  PPD  TTD EXTERNAL VIOLENT VISIBLE CAUSE –

COMPENSATION PAYABLE 1 DEATH100% of Capital Sum Insured 2 Loss of two limb100% of Capital Sum Insured 3 Loss of one limb or one eye50% of Capital Sum Insured 4 Permanent Total Disablement100% of Capital Sum Insured 5 Permanent Partial DisablementDepending on disablement % as specified by treating doctor 6 Temporary Total Disablement1% of Capital Sum Insured (Subject to a max. of Rs 10,000 per week)

ADDITIONAL BENEFITS (INBUILT COVERS) CHILDREN EDUCATION FUND Damage to Clothes Loss of Employment CUMULATIVE Ambulance Charges EXPENSES FOR CARRIAGE OF DEAD BODY

Additional Benefits Compensation for individual policies and family package covers (ONLY) under 1 to 4 of Table of Benefits. The Benefits shall be increased by 5% of Capital Sum Insured in respect of each completed year subject to following: Maximum accumulation:……50%. Bonus is permissible on renewals of other insurers only when the policy is renewed within 90 days from the date of expiry. In case Capital Sum Insured is increased at the time of renewal, the bonus will be allowed only on the previous years CSI at the above rate. Cumulative Bonus on the additional sum insured will be allowed next year at 5% and such percentage that the insured has earned on the CSI of previous year policy. The bonus will accordingly be increased in subsequent years. CUMULATIVE BONUS

CHILDREN EDUCATION FUND: In the event of death or permanent total disablement of the insured person due to an accident and provided the claim under the policy is admissible, compensation towards Education Fund for the dependant children shall be paid as under: If the Insured person has one dependent child, below the age of 23 years, amount payable is equal to 10% of C.S.I subject to a maximum of Rs.5,000/-. If the insured person has more than one dependent child below the age of 23 years, amount payable is equal to 10% of the CSI subject to a maximum of Rs.10,000/- The payment as above will be made along with the CSI to the same person/s who is/are entitled to receive the CSI. The benefit under this extension will be available on the basis of the Original CSI only and not on the Cumulative Bonus. The age of 23 years shall apply on the date of accident only.

EXPENSES FOR CARRIAGE OF DEAD BODY The policy covers reimbursement of actual expenses, including funeral charges incurred for transportation of the dead body of the insured to the place of his residence in the event of death claim being admissible under the Policy. Limit will be Rs.2,500/- AMBULANCE CHARGES Ambulance charges for transportation of Insured person to Hospital following accident, which results in liability having been admitted by the Company as per 1 to 6 of the Table of Benefits is payable upto Rs. 1,000 or actual expenses whichever is lower in addition to CSI

DAMAGE TO CLOTHES The cost of clothing damaged in accident as described under the Table of Benefits is payable at Rs per insured person any one accident or actual expenses whichever is lower in addition to CSI. However, in the event of death, this amount is payable on basis of declaration by the claimant. LOSS OF EMPLOYMENT In the event of, permanent total disablement i.e. 2,3, 4 of Table of Benefits of insured person, leading to loss of employment of Insured Person, the Company will pay 1% of the CSI subject to a maximum of Rs. 15,000 in addition to CSI

Fixing of Sum Insured Maximum Limits Table “A”…10 times the annual income Table “B” …05 times the annual income Table “C”…05 times the annual income

Premium rates Rate of premium(per mille) Sr. No. Table & BenefitsNormal Heavy Very Heavy Risk Risk Risk (Per Mille) 1.“A” Benefit (a) “B1” Benefits (a) to (d) “B” Benefits (a) to (e) “C” Benefits (a) to (f)

This cover can be granted if the family members are also to be covered-- Family Package DISCOUNTS - attractive family package discount ranging from `0-15% on the premium, It varies with number of family members covered ) Husband, wife &/or parents(2 persons) 10.00% ii) Husband, wife, parents &/or one child(3 persons) 12.50% iii) Husband, wife, parents &/or more than one child (more than 3 persons)15.00%

UNDERWRITING GUIDELINES Preferably to be done on accommodation for existing clients Capital sum insured to be as per limits specified Person should be above 5 years and not older than 70 years of age The person should be free from any disability Housewives should be covered only under Table B with CSI limited to 50% of husband’s CSI or Rs 2 lacs which ever is less Children and dependent parents should be covered only for Table B but for CSI limited to 25% of Parent’s CSI or Rs 1 lac which ever is less

Medical Expenses Extension (a) If loaded by 10% b) If loaded by 25%Actual expenses incurred, or 10% of the C.S.I. or 20% of the C.S.I. or 25% of the admissible P.A. claims 50% of the admissible P.A. claim amount, whichever shall be less. Whichever shall be less. c) If loaded by 50% d) If loaded by 100% Actual Expenses or 35% of capital sum insured or 50% of capital sum insured or 75% of the admissible PA claim 100% of the admissible PA claim amount whichever shall be less. whichever shall be less.

EXCLUSIONS Intentional self injury, suicide or attempted suicide, Venereal Disease or Insanity The insured being under the influence of intoxicating liquor or drugs Death or disablement resulting from pregnancy or child birth. (in case of female insured) The Insured committing any breach of law with criminal intent Engaging in Aviation or Balloning or Whilst mounting into or dismounting from or travelling in any a ballon or aircraft other than as passenger (fare paying or otherwise) in any duly licensed standard type of aircraft

Contracting any illness directly or indirectly arising from or attributable to HIV or any HIV related illness including AIDS and/or any mutant derivative or variation of HIV or AIDS. War and allied perils Nuclear perils On duty with any armed forces.

DOCUMENTS REQUIRED IN EVENT OF A CLAIM INTIMATION CLAIM FORM X-RAY FILMS F.I.R. POST MORTEM REPORT MEDICAL CERTIFICATE FOR DISABILITY MEDICAL BILLS

A RECAP Loyalty Discount-Not available Stamp Duty- GPA(0.05%o on the CSI of Top 20 Lives) IPA(0.05%o on the Total SI) Cumulative Bonus-5% to 50% Short period rates On Duty and Off Duty discount On Duty Discount-25% Off Duty Discount-50%

Group Discount Table-GPA Total no of persons Group Discount % on total premium Between 101 and 2500 persons 5% on total premium Between 2501 and 5000 persons 7.5%on total premium Between 5001 and persons10% on total premium Between and persons12.5% on total premium Between and persons 15% on total premium Between and persons17.5% on total premium Between and persons20% on total premium Between and persons25% on total premium Between and persons 30% on total premium Between and above persons35% on total premium