Cholamandalam Personal Accident Insurance, Best Personal Accident Insurance

Cholamandalam Personal Accident Insurance Benefits

Benefits
Coverage

Benefits of Chola Personal Accident Insurance

Weekly Compensation: Compensates for loss of income due to an accident-related disability.
Broken Bones: Fixed compensation owing to an injury in the case of bone fracture.
Modification of Residences / Vehicle: In the case of permanent total disability, we will reimburse the costs incurred to modify housing or own car housing.
Family Transportation Benefit Covers: Expenses for the family member's transportation to the place of the Accidental Death / Permanent Total Disability insured incase.
Fee for Private tuition: Compensation for tuition fees if an accidental injury prevents the insured from attending school / college.
Hospital Daily Cash: Provides daily hospitalization allowance owing to an accident.
Repatriation of Mortal Remains from the accident site to hospital, residence or cremation ground.
Cost of Cremation Ceremony to perform religious ceremonies up to the time of or post-cremation.

Personal Accident Coverage

Accidental Death: In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.
Permanent Total Disability:In the event of accidental injury, causing the insured Permanent Total Disability and such disability has continued for twelve (12) consecutive months, the company will pay the insured the percentage of sum insured as mentioned in the table below:

Benefits	Percentage of Capital Sum Insured
Loss of sight of both eyes	100%
Loss of two entire hands or two entire feet	100%
Loss of one entire hand and one entire foot	100%
Loss of sight of one eye and such loss of one entire foot, or hand	100%
Complete loss of hearing of both ears and complete loss of speech	100%
Complete loss of hearing in both ears or complete loss of speech and loss of one limb or loss of sight of one eye	100%

Permanent Partial Disability: In the event of accidental injury, causing the insured Permanent Partial Disability and such disability has continued for twelve (12) consecutive months, the company will pay the insured the percentage of sum insured as mentioned in the table below:

Benefits	Percentage of Principal Sum
Loss of toes: all Great: both phalanges Great: one phalanx Other than great, if more than one toe lost, each	20% 05% 02% 02%
Loss of hearing - both ears	60%
Loss of hearing - one ear	30%
Loss of speech	60%
Loss of four fingers and thumb of one hand	40%
Loss of four fingers	35%
Loss of thumb: both phalanges one phalanx	25% 10%
Loss of index finger - three phalanges or two phalanges or one phalanx	10%
Loss of middle finger - three phalanges or two phalanges or one phalanx	06%
Loss of ring finger - three phalanges or two phalanges or one phalanx	05%
Loss of little finger - three phalanges or two phalanges or one phalanx	04%
Loss of metacarpals - first or second, third, fourth or fifth	03%
Sense of smell	10%
Sense of taste	05%
Sight of one eye	50%
One hand One foot	50% 50%

Age Limit: Any person between 18 to 69 years can buy the policy. Dependent children up to 25 years of age can be covered in the policy under family option

Exclusions of Personal Accident Insurance

Chola MS personal accident policy does not provide benefits for any death, disability, expense or loss incurred in result of any injury attributable directly or indirectly to the following:

Intentionally self-inflicted injury, suicide or any attempt or threat while sane or insane
War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kings, princes and people of whatsoever nation, condition or quality
Participation in naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy, foreign or domestic
Loss sustained or contracted in consequence of the insured being under the influence of alcohol or drugs unless administered on the advice of a physician