Accidental death benefit.
Full sum assured paid to the family member of the employee upto 100% sum assured or agreed policy terms
Permanent disabilities covered
In case of permanent total disability such as loss of both limbs, the entire sum assured is paid
In case of partial disability such as loss of a single limb, a pre-specified part of sum assured is paid.
Temporary total disabilities covered
Standard weekly benefit is Rs 5,000 for 52 weeks and can be enhanced to Rs 25,000 for 104 weeks
Cover for medical expenses such as fractures, which are typically not covered in other insurances.
A lumpsum, fixed amount is paid on death or disability, typically within 30 days of filing a claim. This is not dependent upon actual expenses incurred or other claims paid for the same incident.