United India Personal Accident Insurance Policy

Eligibility

Worldwide between 5 years to 70 years of age. For a policyholder above 70, medical examination is necessary and can avail coverage till the age of 80.

Basis

Individual

Death

100 percent of insured sum

Permanent Total Disablement

100 percent of insured sum

Loss of two limbs/ Two eyes or one limb and one eye

100 percent of insured sum

Loss of one eye or one limb

50 percent of insured sum

Permanent Partial Disablement

Varying percent of insured sum as per policy

Temporary Total Disablement

1 percent of capital insured sum per subject for up to Rs. 3000 for every week for a up to 100 weeks.

Free Look Period

15 days

Renewability

Available for renewal for a month before expiration of policy. Policy that has been claimed will not be available for online renewal. Policies that have been insured for over Rs. 10 lakh insured sum will not be available for renewal online.

Exclusions

1. Pre-existing injuries or disabilities
2. Claim regarding events that has occurred prior to commencement of policy
3. Claim for disability or death due to self-inflicted injuries
4. Mental disorder, suicide, attempted-suicide
5. Accidents due to war, rebellion, civil war. Etc.
6. Nuclear, biological or chemical terrorism.
7. Participation in life threatening activities