Reliance Individual Personal Accident Insurance coverage
Accidental Death
- Family will be paid the capital sum insured incase of accidental death
Disability benefit
- Permanent Total Disability – In the event of permanent total disability due to an accident, we will also pay the capital sum insured.
- Permanent Partial Disability – In case of a partial disability due to an accident, a specified percentage of the sum insured will be paid. To know the specific percentage of the sum assured that will be paid.
- Temporary Total Disability – If you are totally disabled by an accident for a limited period of time, the policy will pay you 1% of the capital sum insured per week, not exceeding Rs 5,000 per week.
Age
Any individual aged between 18 and 60 can be insured under this policy.
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Compensation Structure
Accidental Injury being the sole and direct cause, results in Death or Disability within 12 months of the accident the compensation under the policy would be:
| Table Of Benefits |
| Table |
What Is Covered |
Compensation Payable |
| A |
Death |
100% of Capital Sum Insured (CSI) |
| B |
Death Total Disablement Loss of Two limbs / Two eyes or one limb and one eye Loss or one limb or one eye |
100% of CSI
100% of CSI
50% of CSI |
| C |
Permanent Partial Disablement |
Varies from 1% to 75% of CSI as per policy |
Permanent Total Disablement
A condition resulting into any one of the following due to an accident within 12 months of the date accident
- Total incapacity to perform any employment or occupation of any nature (without any loss of limbs)—(100%)
- Loss of sight of both eyes or actual loss of two entire hands or feet, or one foot and one hand.-(100%)
- Loss of sight of one eye, or one hand or one foot by physical separation (50% of SI is payable)
- Loss of Use of one hand or leg without physical separation (50% of SI is Payable)
| Type of loss |
% of Capital |
| Loss of toes-all |
30 % |
| Loss of toes great-both |
5 % |
| Loss of toes great-one Phalanx |
2 % |
| Loss of toes other than great if |
1 % |
| Loss of hearing-both ears |
75 % |
| Loss of hearing-one ear |
30 % |
| Loss of four fingers and thumb of one hand |
40 % |
| Loss of four fingers |
35 % |
| Loss of thumb-both phalanges |
25 % |
| Loss of thumb-one phalanges |
10 % |
| Loss of index fingers-anyone or three phalanges |
6 % |
| Loss of ring finger - anyone or three phalanges |
5 % |
| Loss of middle finger - anyone or three phalanges |
4 % |
| Loss of metacarpals-first or second (additional) or 3rd, 4th or 5th (additional) |
2 % |
| Any other permanent partial disablement |
% as assessed by Panel Doctor
|
