• General
• Life
  
• Personal Accident
  
• Health
  
• Motor
  
• Property
  
• Liabilities
  

• What is Personal Accident Insurance?
• To what extent of damage should my policy cover?
• What are the parameters that would determine the premium under personal accident?
• Can medical expenses also be covered?
• Under what conditions claim is not payable?

This policy covers the insured against Accidental bodily injury caused by external, violent and visible means.The insured is also covered if, within twelve months, this injury leads to death or permanent disablement.

Your policy can cover the following types of disablement:

• Permanent Total Disablement- e.g.total irrecoverable loss of sight in both eyes,total paralysis of the body etc.

• Permanent Partial disablement- e.g.total irrecoverable loss of toe or finger.

• Temporary total disablement- e.g.which may be for days,weeks or even months.

The premium is based on the nature of occupation and each insurer has their own classification:

• In case of public sector general insurance companies lassification is as follows:

  
  

  1. Normal risk - all persons not engaged in hazardous occupations such as working in mines, electrical installations,circus personnel,mountaineers etc.

  2. Heavy Risk: those who are engaged in hazardous occupations such as working in mines, electrical installations,circus personnel,mountaineers etc.

This policy can be extended to include expenses incurred, due to the accident - while some companies ask for additional premium, some insurers offer it as a part of the standard policy.

Each company specifies exclusions under which claims are not payable. However some of the exclusions are:

• Intentional self injury,suicide,or attempted suicide

• While under the influence of intoxicating liquors or drugs

• Child birth or pregnancy or in consequence thereof

• Breach of law or criminal intent etc

• Travelling in an aircraft other than as a fare paying passenger. E.g. flying an aircraft, motor rallies, war, and civil war.

• Injuries as a result of war or warlike operations etc