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Personal Accident Insurance Policy
 

Personal Accident Insurance Policy

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This Policy provides comprehensive cover against bodily injury resulting in death or disablement arising due to accidents. Major covers under this policy includes accidental death, permanent total ...

This Policy provides comprehensive cover against bodily injury resulting in death or disablement arising due to accidents. Major covers under this policy includes accidental death, permanent total disability, permanent partial disability, temporary total disability, etc

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    Personal Accident Insurance Policy Personal Accident Insurance Policy Presentation Transcript

    • Presenting the smart way for comprehensive protection…… SmartPersonal Accident Insurance Policy.. 1 Place - date Classification of document- internal/ external/ media etc
    • Agenda       What does the SmartPA Policy cover? Free/In-built Benefits Value added benefits Exclusions Plan Details Why SmartPA is a smart choice? For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 2
    • Agenda  What does the SmartPA Policy cover?      Free/In-built Benefits Value added benefits Exclusions Plan Details Why SmartPA is a smart choice? For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 3 Place - date
    • What does the SmartPA Policy cover?  This Policy provides comprehensive cover against bodily injury resulting in death or disablement arising due to accidents  Major covers under this Policy include:     Accidental Death Permanent Total Disability Permanent Partial Disability Temporary Total Disability For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 4 Place - date
    • Definition of Accident “Accident" means a sudden, unforeseen, and involuntary event caused by external, visible and violent means.  “Injury” means accidental physical bodily harm excluding illness or disease solely and directly caused by external, violent and visible and evident means which is verified and certified by a Medical Practitioner.  For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 5 Place - date
    • Agenda  What does the SmartPA Policy cover?          Accidental Death Permanent Total Disability Permanent Partial Disability Temporary Total Disability Free/In-built Benefits Value added benefits Exclusions Plan Details Why SmartPA is a smart choice? For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 6 Place - date
    • Accidental Death  Payment of compensation in the unfortunate event of Insured Person‟s death caused by accidental bodily injury, within 12 months of happening of such an accident. For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 7 Place - date
    • Agenda  What does the SmartPA Policy cover?          Accidental Death Permanent Total Disability Permanent Partial Disability Temporary Total Disability Free/In-built Benefits Value added benefits Exclusions Plan Details Why SmartPA is a smart choice? For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 8 Place - date
    • Definition - Permanent Total Disability  “Permanent Total Disablement” means a bodily injury caused by accidental, external, violent and visible means,  which as a direct consequence thereof totally disables and prevents the Insured Person from : - attending to any business or occupation of any and every kind or - if he/she has no business or occupation, from attending to his/her usual and normal duties that last for a continuous period of twelve calendar months from the date of the accident, with no hopes of improvement at the end of that period. For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 9 Place - date
    • Coverage - Permanent Total Disability  Payment of compensation in the event of an accidental bodily injury leading to the total and irrecoverable loss of:  sight of both eyes, physical separation of two entire hands or feet, or of one entire hand and     foot, or sight of one eye and use of one entire hand or foot use of two hands or two feet, or of one hand and one foot, or sight of one eye and use of one hand or one foot Total paralysis Loss of all fingers and both thumbs OR loss of arm - at shoulder; between shoulder and elbow ; at and below elbow OR Loss of legs - at hip; between knee and hip ; below knee Permanent total and absolute disablement disabling the Insured Person from engaging in any employment or occupation For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 10 Place - date
    • Agenda  What does the SmartPA Policy cover?          Accidental Death Permanent Total Disability Permanent Partial Disability Temporary Total Disability Free/In-built Benefits Value added benefits Exclusions Plan Details Why SmartPA is a smart choice? For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 11 Place - date
    • Definition - Permanent Partial Disability  “Permanent Partial Disablement” means a bodily injury caused by accidental, external, violent and visible means, which as a direct consequence thereof, disables any part of the limbs or organs of the body of the Insured person and which falls into one of the categories listed in the Scale of Benefits Table. For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 12 Place - date
    • Coverage - Permanent Partial Disability  Payment of compensation for bodily injury caused by accident, resulting in Permanent Partial Disablement within 12 (twelve) calendar months of occurrence of such injury. For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 13 Place - date
    • Coverage - Permanent Partial Disability PPD - Total and irrecoverable loss of various parts as given Percentage of Capital Sum below: Insured The sight of one eye or the actual loss by physical separation of one 50% entire hand or one entire foot. Use of a hand or a foot without physical separation 50% Loss of speech 50% Loss of toes – all 20% Loss of toes great - both phalanges 5% Loss of toes great - one phalanx 2% Loss of toes other than great, if more than one toe lost: each 2% Loss of hearing - both ears 75% Loss of hearing - one ear 30% Loss of four fingers and thumb of one hand 50% Loss of four fingers of one hand 40% Loss of thumb - both phalanges 25% Loss of thumb – one phalanx 10% Loss of index finger – three phalanges 15% Loss of index finger – two phalanges 10% Loss of index finger - one phalanx 5% Loss of middle finger or ring finger or little finger – three phalanges 10% Loss of middle finger or ring finger or little finger – two phalanges 7% Loss of middle finger or ring finger or little finger - one phalanx 3% Loss of metacarpals – first or second (additional) or third, fourth or 3% fifth (additional) Any other permanent partial disablement Percentage as assessed by a panel doctor of the Company For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 14 Place - date
    • Agenda  What does the SmartPA Policy cover?          Accidental Death Permanent Total Disability Permanent Partial Disability Temporary Total Disability Free/In-built Benefits Value added benefits Exclusions Plan Details Why SmartPA is a smart choice? For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 15 Place - date
    • Definition – Temporary Total Disablement  “Temporary Total Disablement” means a bodily injury caused by accidental, external, violent and visible means,  which as a direct consequence thereof totally disables and prevents the Insured Person f - From attending to any business or occupation of any and every kind or - if he/she has no business or occupation, from attending to his/her usual and normal duties that lasts temporarily for a certain period within twelve calendar months from the date of the accident. For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 16 Place - date
    • Coverage - Temporary Total Disability     Payment of compensation for bodily injury caused by accident and resulting in Temporary Total Disablement. Such an injury prevents the Insured Person from attending to his/her business or occupation temporarily. Compensation shall be payable for the temporary period for which the Insured Person suffers from total disablement due to accidental bodily injury. The benefit under this Section is limited payment of compensation for 104 weeks and upto the limit of Sum Insured specified. For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 17 Place - date
    • Agenda  What does the SmartPA Policy cover?  Free/In-built Benefits     Value added benefits Exclusions Plan Details Why SmartPA is a smart choice? For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 18 Place - date
    • Free/In-built Benefits  This Policy offers the following free benefits, in case of a valid claim under the „Accidental Death‟ Section:  Transportation of Mortal Remains: Allowance equivalent to 1% of SI towards expenses incurred for transporting the dead body.  Funeral Expenses: Allowance towards expenses incurred for funeral in the case of accidental death  Education Grant for Children: Payment of a fixed allowance of Rs. 10,000 per dependent child (for a maximum of 2 dependent children) upto the age of 23 years pursuing studies For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 19 Place - date FREE
    • Agenda   What does the SmartPA Policy cover? Free/In-built Benefits  Value added benefits    Exclusions Plan Details Why SmartPA is a smart choice? For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 20 Place - date
    • Value-added Benefits  The Policy offers a host of value-added benefits such as:  Hospital Daily Cash Allowance  Accidental Medical Expenses Double Death or Permanent Total Disablement Benefit Legal Expenses   Please refer to the plan details for the applicability of these benefits and the Sum Insured for these benefits For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 21 Place - date
    • Hospital Daily Cash Allowance  Payment of a fixed allowance per day of hospitalisation treatment in India for accidental bodily injury  This is applicable if the hospitalisation exceeds a 2 days Please refer to the plan details for the applicability of these benefits and the Sum Insured for this benefits For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 22 Place - date
    • Accidental Medical Expenses   Reimbursement of actual medical expenses incurred in India following medical treatment for bodily injury, caused by an accident “Medical expenses” means those expenses that an Insured Person has necessarily and actually incurred for medical treatment on account of Illness or Accident on the advice of a Medical Practitioner, as long as these are no more than would have been payable if the Insured Person had not been insured and no more than other hospitals or doctors in the same locality would have charged for the same medical treatment. It includes,      the costs of a bed; treatment and care by medical staff; medical procedures, Medical Practitioner’s / Consultants fees, medicines and consumables including cost of pacemaker, cost of organs, artificial limbs etc. as long as these are recommended by the attending Medical Practitioner Please refer to the plan details for the applicability of these benefits and the Sum Insured for this benefits For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 23 Place - date
    • Double Benefit for Death or Permanent Total Disablement  Payment of Double Indemnity , i.e.   200% of the sum insured covered under section 1 200% of the sum insured covered section 2 of the benefit schedule in case of Permanent Total Disablement, due to bodily injury, caused by an accident while the Insured is traveling as a passenger in a public conveyance For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 24 Place - date
    • Legal Expenses  Payment of legal costs and expenses incurred, with the consent of the Company by the Insured Person or the legal representative of the Insured Person towards claims for compensation for death or disablement arising due to an accidental bodily injury For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 25 Place - date
    • Agenda    What does the SmartPA Policy cover? Free/In-built Benefits Value added benefits  Exclusions   Plan Details Why SmartPA is a smart choice? For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 26 Place - date
    • Exclusions    Death or disablement caused by,aggravated or prolonged by child birth or from pregnancy Compensation under more than one of the foregoing Clauses in respect of the same period of disablement except the Add-on covers. Any payment in case of more than one claim under the Policy during any one period of insurance by which the maximum liability of the Company in that period would exceed the sum payable under the Section I, II, III or IV of the Policy.  This would not apply to payments made under Add-on covers, education grant and expenses for transportation of mortal remains. For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 27 Place - date
    • Exclusions  Any claim in respect of accidental death or permanent disablement of the Insured/Insured Persons.       from intentional self-injury, suicide or attempted suicide whilst under the influence of liquor or drugs or other intoxicants whilst engaging in adventure activities directly or indirectly, caused by venereal disease, AIDS or insanity arising or resulting from the Insured/Insured Person committing any breach of law or participating in an actual or attempted felony, riot, crime or civil commotion  whilst engaging in racing, hunting, mountaineering, ice hockey, winter sports. Any claim arising out war and war like operations as well as nuclear perils. For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 28 Place - date
    • Agenda     What does the SmartPA Policy cover? Free/In-built Benefits Value added benefits Exclusions  Plan Details  Why SmartPA is a smart choice? For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 29 Place - date
    • Plan Options For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 30 Place - date
    • Plan Details In case you need more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 31 Place - date
    • Why Smart PA Insurance is a smart choice?  Simple and affordable  Premium Starting from Rs.250  No long term commitment required – unlike a life insurance policy.  Instant, Hassle-free Policy Delivery  No lengthy application forms  No need to undergo any medical tests before enrollment  Over-the-counter packaging  Pay, Buy and walk away with the policy  Easy shopping experience for the customer  No complex claims procedures  Customer deals directly with the company  Payment of fixed compensation For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 32 Place - date
    • Product Comparison For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 33 Place - date
    • Thank You For more detail about our products please visit us at www.bharti-axagi.co.in or for more plan options call us at 080-49010200 Classification of document- internal/ external/ media etc 34