Royal Sundaram Personal Accident insurance, Buy India Personal Accident insurance Online

Key highlights
Coverages
Benefit description
Exclusions

Key Highlights of Royal Sundaram Personal Accident Insurance

Instant Policy, No Medical Test.
24X7 worldwide cover.
Coverage upto ₹10 Lakhs without income proof for any person.
Renew policy anytime, anywhere with InstaRenew.
Dedicated Customer Services Helpline - 1860 425 0000.
- Facility to chat online for information.
- Easy, ISO certified Claims process.
Single policy to cover entire family.
Policy cover available for 1 year.

Coverage under Royal Sundaram Personal Accident Insurance

Coverages	Sum Insured
Accidental Death	5,00,000	10,00,000	15,00,000	20,00,000	25,00,000	40,00,000	50,00,000	75,00,000
Permanent Total Disablement	5,00,000	10,00,000	15,00,000	20,00,000	25,00,000	40,00,000	50,00,000	75,00,000
Permanent Partial Disablement	5,00,000	10,00,000	15,00,000	20,00,000	25,00,000	40,00,000	50,00,000	75,00,000
Temporary Total Disablement(₹3,000/- weekly benifit upto max 104 weeks)	3,12,000	3,12,000	3,12,000	-	-	-	-	-
Temporary Total Disablement ((₹ 5,000/- or ₹ 10,000* weekly benifit upto max 104 weeks))	-	-	-	5,20,000	5,20,000	10,40,000	10,40,000	10,40,000
Education Grant(Per Child ₹ 5,000)	10,000	10,000	10,000	10,000	10,000	10,000	10,000	10,000
Medical Expenses-Accident Hospitalization	-	-	-	2,00,000	2,50,000	4,00,000	5,00,000	7,50,000

Premium for SI of ₹40 lakhs to ₹75 lakhs shall be provided on receipt of completed proposal form and income proof
The Plans are available on Individual Basis and also on Family Basis
If family plan is chosen then the sum insured shall be available as under:
- Primary Insured - 100% of the Sum Insured
- Spouse - 50% of the Sum Insured
- Child - 25% of the Sum Insured per child

(Family plan is available for SI up to ₹25 lacs only)

Benefit Description

Accidental Death
In the unfortunate event of death of the Insured person, the entire Sum Insured will be paid to the Insured person's nominee. We request you to ensure that you provide a nominee for every family member insured under Personal Accident Insurance.

Permanent Total Disablement
In the unfortunate event of permanent total disability of the Insured person, the entire Sum Insured will be paid to the Insured person.

Permanent Partial Disablement
In the unfortunate event of permanent partial disability of the Insured person, a certain percentage of the Sum Insured will be paid to the Insured person. It is determined by the extent of loss. You can get more information about it in the Terms and Conditions page.

Temporary Total Disablement
Weekly benefit for accidents resulting in home confinement up-to 104 weeks (Weekly Income Benefit)

Accident Hospitalisation
Hospitalization expenses due to Accident resulting in claim for Death/Disablement (Applicable only if proposer has opted for Sum Insured of Rs.20 lacs and above).

Education Grant
Special Free Benefit of Education Grant of Rs. 10,000/-(@ Rs. 5,000 per child)

Transportation of Mortal Remains
In the unfortunate event of accidental death, we will pay the nominee a sum of up to Rs. 5,000 towards transportation of the mortal remains to residence.

Exclusions under the Individual Personal Accident Plan

Below are some of the

From intentional self injury, suicide or attempted suicide
Accident whilst under the influence of the intoxication of liquor or drugs
Directly or indirectly caused by venereal diseases, AIDS or insanity
Arising or resulting from the insured committing any breach of law with criminal intent
Any claim arising out of any pre-existing disease or condition
Nuclear, Chemical, Biological Terrorism
Persons whilst engaged in hazardous sports / activities/occupations

Above list of exclusions is illustrative only and are not exhaustive. For a detailed list please refer to the policy terms and conditions which will be made available on request.