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SECURE PERSONAL ACCIDENT

Life is uncertain. Everybody is at risk – on the roads, at work, on vacations, while traveling, or even inside their home. Natural catastrophes also add to life’s uncertainty. Some unfortunate accidental occurrence might bring a huge financial burden to you and your family. Although you cannot guard against all uncertainties of life, you can always take steps to help you tackle the accidental events in a better manner, should they occur.

NJIL’s “Secure Personal Accident Plan” provides just the right kind of cover for these uncertain times

A Complete Protection Plan

Our Personal Accident Insurance Policy provides comprehensive protection against accidental occurrences that might lead to death or bodily injury of the insured person. If the accident leads to the untimely death of the Insured, this Policy will provide complete financial security to the Insured's family members. The Policy also covers situations where although the insured person survives an accident, he is crippled for the rest or part of his life. In such cases, the Policy will pay a fixed percentage of Sum Assured depending upon the type of disablement. Financial support is also available in case of disability of a temporary nature and medical expenses arising out the accident.

There is minimal underwriting involved with the plan, and no medical examination is needed in order to purchase coverage.

Benefits Available

You could be insured for a combination of the following benefits depending on the package you select.

	Accidental Death and Dismemberment Benefit (AD&D)
	In case of death due to accident, 100% of the sum assured is paid to the nominee of the insured.
	In case of dismemberment due to accident, a specified percentage of the Sum Assured is paid according to the following schedule.

Dismemberment	% Of Sum Assured
Loss of two or more limbs by amputation at or above wrist or ankle	100%
Total and irrecoverable Loss of all sight in both eyes	100%
Total and irrecoverable Loss of all sight in one eye and Loss of one limb by amputation at or above wrists or ankle	100%
Loss of both limbs and index finger of either hand by amputation at or above the metacarpophalangeal joint	50%
Total and irrevocable Loss of all sight in one eye	50%
Loss of one limb by amputation at or above wrist or ankle	50%

	Accidental Hospitalisation (AH)
	Provides compensation for expenses incurred on hospitalization of the Life Assured due to accident. The maximum benefit limit for this coverage is 10% of the Sum Assured subject to a maximum of Rs.50,000.
	Permanent Total Disability (PTD)
	Provides for the benefit in case of Permanent and Total Disability due to accident. The benefit payable to you shall be 100% of the Sum Assured. The benefit is payable if the state of permanent and total disability continues for a minimum period of 6 months.
	Temporary Disability (TD)
	Provides compensation for expenses incurred on hospitalization of the Life Assured due to accident. The maximum benefit limit for this coverage is 10% of the Sum Assured subject to a maximum of Rs.50,000.

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