Reliance Personal Accidental Insurance

Disability benefit

a) Permanent Total Disablement: A condition resulting into any one of the following due to an accident within 12 months of the date accident.

• Total incapacity to perform any employment or occupation of any nature (without any loss of limbs) — (100%)
• Loss of sight of both eyes or actual loss of two entire hands or feet, or one foot and one hand -(100%)
• Loss of sight of one eye, or one hand or one foot by physical separation (50% of Sum Insured is payable)
• Loss of Use of one hand or leg without physical separation (50% of Sum Insured is Payable)

b) Permanent Partial Disablement: In case of a partial disability due to an accident, a specified percentage of the sum insured will be paid. To know the specific percentage of the sum assured that will be paid please go through the below table:

Type of loss	% of Capital (in Sum Insured)
Loss of toes-all	20%
Loss of toes great-both	5%
Loss of toes great-one Phalanx	2%
Loss of toes other than great if	1%
Loss of hearing-both ears	75%
Loss of hearing-one ear	30%
Loss of four fingers and thumb of one hand	40%
Loss of four fingers	35%
Loss of thumb-both phalanges	25%
Loss of thumb-one phalanges	10%
Loss of index fingers-anyone or three phalanges	6%
Loss of ring finger - anyone or three phalanges	5%
Loss of middle finger - anyone or three phalanges	4%
Loss of metacarpals-first or second (additional) or 3rd, 4th or 5th (additional)	3%
Any other permanent partial disablement	% as assessed by Panel Doctor

Value Added Benefits

Transportation of dead body

• Two per cent of the capital insured will be paid for transportation for accidental death happening outside of the residence. ( Subject to maximum of Rs 2,500)

Education Grant

• 10 per cent of the sum insured, will be paid for one dependent child below the age of 25 years. (Subject to maximum of Rs 5,000)
• 10 per cent of the sum insured, will be paid for two dependent children below the age of 25 years. (Subject to maximum of Rs 10,000)