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Accidental insurance policies

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Some companies covers claims arising out of Terrorism or acts of Terrorism
No health check-up required for policy issuance
Worldwide coverage of the policy
It gives coverage starting from 5 lacs to 50 lacs
Free lookup period of 15 days
5% per claim free year to a maximum of 50%.
Family discount of 10%

Publié dans : Économie & finance, Business
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Accidental insurance policies

  1. 1. Accidental Insurance Policies in India________________________________ Created by : jagoinvestor.com www.jagoinvestor.com
  2. 2. What is Accidental Insurance policyCovers you from Accidental Death Permanent Total Disability (Loss of both hands , Loss of both ) Permanent Partial Disability (Loss of 1 hand , Loss of 1 Leg , Loss of 1 eyes) Temporary Total Disability (Fracture , Bed rest ) www.jagoinvestor.com
  3. 3. Other Benefits No health check-up required for policy issuance Worldwide coverage of the policy It gives coverage starting from 5 lacs to 50 lacs Free lookup period of 15 days 5% per claim free year to a maximum of 50%. Family discount of 10% Tax benefit under Section 80 D of the Income Tax Act, 1961. Some companies covers claims arising out of Terrorism or acts of Terrorism www.jagoinvestor.com
  4. 4. What is not included Intentional self-injury, suicide or attempted suicide. Influence of intoxicating liquor or drugs By committing any breach of law with criminal intent Suffering from any pre-existing condition or pre-existing physical or mental defect or infirmity. Aircraft pilots and crew , Armed Forces personnel and Artistes engaged in hazardous performances are totally excluded www.jagoinvestor.com
  5. 5. Premiums depend on Work Profile LOW RISK (Level 1) HIGH RISK (Level 2) Doctors Mines workers Bankers circus personnel Teachers bungee jumping, Accountants Mountaineering www.jagoinvestor.com
  6. 6. Policies Example 1Bajaj Allianz Premium Personal Guard Premium for 20 lacs of sum assured – Rs 2875 Claims Paid Ratio – 91% Does not cover against Terrorism Entry Age – 18-65 yrs Permanent Total Disablement – 200% of Sum Assured Permanent Partial Disablement – upto 70% of Sum assured www.jagoinvestor.com
  7. 7. Want more ? www.jagoinvestor.com Orwww.youtube.com/jagoinvestor www.jagoinvestor.com

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