Medisure Personal Accident Plan

In a case of an accident, under this benefit the cost of out-patient treatment is covered up to Rs. 1,000 per person and a maximum of Rs. 2,500 per policy period.

In this policy no-claim bonus equal to 5% of basic sum insured up to a maximum of 50% is available. However, the bonus amount is reduced to zero once you make any claim. Rest assured, your sum insured will not be affected.

In case an insured on this policy expires within 12 calendar months from the date of an accident, he/she would get a compensation equal to 100% of sum insured irrespective of any hospitalization expenses. You can get the details on coverage in the in the policy wordings of the plan.

In case an insured on this policy is permanently impaired within 12 calendar months from the date of an accident, he/she would get a compensation equal to 100% of sum insured irrespective of any hospitalization expenses. You can get the details on coverage in the in the policy wordings of the plan.

In case an insured owning a personal accident policy gets partially disabled on a permanent basis as a result of an accident within 12 calendar months post its occurrence then, he/she would get compensation in the range of 1% to 50% of sum insured irrespective of any hospitalization expenses. The payment amount depends on the part of the body impaired. You can get the details on coverage in the in the policy wordings of the plan.

In case an insured owning a personal accident policy gets totally impaired on a temporary basis as a result of an accident within 12 calendar months post its occurrence then, he/she would get a compensation equal to 1% of sum insured up to a maximum of Rs. 6,000 per week. You can get the details on coverage in the in the policy wordings of the plan.

In the case of an accident, under this allowance the cost of out-patient treatment is covered up to Rs. 1,000 per person and a maximum of Rs. 2,500 per policy period.

In case you meet with an accident outside the city/town of your residence, you can claim for the transport charges to get you back to your town. Following are the conditions.

• 2% of Capital Sum Insured or Rs. 2,500 (whichever is lower)
• Expenses incurred on transportation of the mortal remains is also covered up to 2% of the Sum Insured or Rs. 2,500/- whichever is lower.

Your accident, in any way, should not make your children suffer. Thus, the plan compensates you 10% of your sum insured or a maximum of Rs. 12,500 in the case of one child or a maximum of Rs. 25,000 in the case of more than one child. The highest age of child/children should not exceed 23 years.

In an intense situation, your accident could lead to losing your job. In such a case, you can claim a compensation up to Rs. 15,000 or 1% of your capital sum insured, whichever is lower. In a financially tighter situation, this amount will be a great relief.

In the case of an accident of insured, ambulance charges for transporting him/her to the hospital are covered up to Rs. 1,000.

For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

Your accident can leave you in a state where you need to be reliant on special things to support your living such as crutches, artificial limb, stretcher, tricycle, wheelchair, spectacles, and so forth. You can claim up to Rs. 10,000 or 2% of capital sum insured or actual expenses, whichever is lesser.

Under this add-on cover, along with your expense of transportation (to your city of residence if you meet with an accident anywhere else), you can also choose to claim for the cost of travel of accompanying relative, friend, colleague or any other person.

• The maximum liability is 2% of capital sum insured or Rs. 10,000 or the actual cost, whichever is lesser.

To claim for this cover, you need to pick any one of the two choices:

• Option A: You will be reimbursed an amount up to 50% of the compensation paid in settlement of a valid claim or 20% of the capital sum insured or actual medical expenses, whichever is lesser.
• Option B: You will be reimbursed an amount up to 100% of the compensation paid in settlement of a valid claim or 50% of the capital sum insured or actual medical expenses, whichever is lesser.