Is Personal Accident Cover valid outside India?
Yes, it provides worldwide coverage.
What is the benefit under Permanent Total Disability?
If completely and permanently disabled due to an accident (e.g. loss of both eyes, hands, or legs), 100% of the Sum Insured is paid.
What is the benefit under Permanent Partial Disability?
Partial loss (e.g. speech) is compensated as per a fixed scale. Example: Loss of speech = 50% of Sum Insured.
Is an accident under alcohol influence covered?
No, such claims are excluded.
What is Inquest Panchanama?
A judicial investigation to determine the cause of unnatural death.
What is Spot Panchanama?
It records the exact location where the body was found.
What are the general exclusions in home insurance policies?
- Aviation/ballooning, except as a fare-paying passenger in a licensed aircraft.
- Motor racing or trial runs.
- Nuclear energy/radiation-related losses.
- Sexually transmitted diseases, including HIV/AIDS.
- Suicide, self-harm, or attempted suicide.
- Influence of alcohol or drugs.
- Criminal acts or unlawful activities.
- War, invasion, or civil unrest.
- Pregnancy, childbirth, miscarriage, or related complications.
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