Coverage and Limits


Benefit NameSum Insured
Sum Insured options 5 Lac to 10 Cr
Death (Base Sum Insured)
Sum Insured options from 1 L to 10 Cr
Permanent Total Disability (PTD)Percentage of Base Sum Insured
Permanent Partial Disability (PPD)Percentage of Base Sum Insured
Optional Benefits
Transportation of Mortal RemainsUp to 1% of Base Sum Insured. Maximum INR 1 Lakh 
Funeral ExpensesUp to 1% of Base Sum Insured. Maximum INR 1 Lakh
Road AmbulanceUp to INR 25,000
Air Ambulance 20% of AD SI. Max INR 5 Lakhs 
Temporary Total Disability (TTD)
  • Earning Members: 2% of Base Sum Insured per week. Maximum INR 1 Lakh per week. For Maximum 100 weeks. 
  • Non-Earning Members: 1% of Base Sum Insured per week. Maximum INR 25,000 per week. For Maximum 50 weeks. 
Loan ProtectorLatest Principal outstanding loan amount as per bank details. Maximum up to Base Sum Insured. 
Accidental Hospitalization (AH)1L, 2L, 3L, 4L, 5L.
10% of Base Sum Insured subject to maximum of INR 5 Lakhs; in case 10% of Base Sum Insured falls between the two available AH Sum Insured then the higher available SI will be given to the insured.
Hospital Daily Cash0.25% of Base Sum Insured per day. Maximum INR 5,000 per day. For Maximum 30 days in a policy year. 
Accidental OPDUp to 1% of Base Sum Insured. Maximum INR 25,000.
Monthly Needs Benefit0.5% of Base Sum Insured per month. Maximum INR 50,000 per month. For 3 months. 
Adventure Sports100% of Base Sum Insured/PTD Sum Insured.
Compassionate Visit in case of Adventure Sports2% of Base Sum Insured. Maximum INR 50,000.
Elderly Care10% of Base Sum Insured. Maximum INR 5 Lakhs
Education of Dependent Children 10% of Base Sum Insured. Maximum INR 5 Lakhs
Child SupportOne Educational Counselling Service (13 years to 23 years). Maximum 2 Children.
Placement Services for Children (19-25 years) who are currently not studying
Marriage Expenses for Children20% of Base Sum Insured. Maximum INR 10 Lakhs
Broken Bone/FracturePercentage of Broken Bone/Fracture Sum Insured. 
Broken Bone/Fracture Sum Insured = Base Sum Insured. Maximum INR 10Lakhs
Modification made at home/ Vehicle
25% of Base Sum Insured. Maximum INR 5 Lakhs
Prosthetics/Wheel Chair
Up to INR 1 Lakh
Comatose
25% of Base Sum Insured. Maximum INR 10 Lakhs
Burns
Up to Base Sum Insured. Maximum INR 50 Lakhs
Head & Spinal Injury
2% of Base Sum Insured. Maximum INR 1 Lakh
Accident Care
  • ICU at Home: 10% of Base Sum Insured. Maximum INR 2 Lakhs
  • Nursing Care at Home: 5% of Base Sum Insured. Maximum INR 1 Lakh
  • Blood Transfusion: 5% of Base Sum Insured. Maximum INR 1 Lakh
  • Physiotherapy: 5% of Base Sum Insured. Maximum INR 1 Lakh
  • Single Nurse Procedural Visit: 1% of Base Sum Insured. Maximum INR 10,000
  • Financial Guidance: One Session

Eligibility

Discount Offered

Exclusions