Coverage

The Group Personal Accident insurance policy covers the following critical eventualities:

• Accidental Death: Coverage for death resulting from an accident.
• Dismemberment: Protection against the loss of limbs, eyesight, hearing, and other disabilities caused by an accident.
• Permanent Total Disability: Comprehensive coverage for injuries leading to permanent disability.
• Permanent Partial Disability: Coverage for partial permanent disabilities arising from accidents.
• Weekly Benefit: Entitlement to loss of pay on a temporary basis due to an accident.
• Accident Medical Expenses Reimbursement: The insured member can claim reimbursement for both outpatient and inpatient medical expenses.

Add-On Covers

Group Personal Accident insurance also offers the option to enhance coverage with valuable add-on covers, including:

• Education Allowance: Provision for educational expenses for insured members' children.
• Family Transportation: Coverage for transportation expenses incurred by family members to visit the insured member during treatment or recovery.
• Modification Allowance: Financial assistance for necessary modifications to the insured member's residence or vehicle due to disability caused by an accident.
• Funeral Expenses: Coverage for funeral expenses in the unfortunate event of an accident-related death.

Exclusions

While Group Personal Accident insurance provides extensive coverage, certain eventualities are typically excluded from the policy. These exclusions may include:

• Pre-existing conditions
• Suicide
• Military Service or Operations
• War or Illegal Acts
• Bacterial Infections
• AIDS
• Dangerous Sports
• Pregnancy or Childbirth