group personal accident policy from icici lombard
TRANSCRIPT
![Page 1: Group personal accident policy from ICICI Lombard](https://reader037.vdocuments.net/reader037/viewer/2022102323/54b873b84a7959a5678b45e6/html5/thumbnails/1.jpg)
Group Personal
Accident (GPA)
Call +91 9900113820 for more information
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Insured
Who do I insure?
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Benefit policyConcept of Capital Sum Insured (CSI) Taken by a corporate to cover the
employeesCorporate - InsuredEmployers - Insured Person
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Inclusion-Exclusion
Impact of accident can not be determined..
What scenarios do we consider and what we
don’t?
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Policy pays Insured in case of:
Scope of cover
Benefit Table CoverageA Accidental Death
BAccident Death + loss of limbs + loss of eyes + Permanent Total Disablement
CAccidental Death + loss of limbs + loss of eyes + Permanent Total Disablement + Permanent Partial Disablement
D
Accidental Death + loss of limbs + loss of eyes + Permanent Total Disablement + Permanent Partial Disablement + Temporary Total Disablement
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Death injury or disablement due to Intentional self injurySuicide Intoxicating liquor or drugsWhile engaging in aviation or ballooningVenereal disease or insanityResulting from Insured committing a breach of law with criminal intentWar and nuclear perilsCaused by childbirth or pregnancy
Exclusions
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Medical Expenses reimbursed subject to maximum of 40% of valid claim or 10% of relevant Sum Insured whichever is less
Hospital Confinement allowance-payment of a daily benefit for a maximum period of 30 days for hospitalisation due to an accident for which a claim is admitted.
Extentions
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Injury Explanation BenefitDeath 100% of SIPTD Actual - Loss of limbs,
Loss of sight, Loss of one hand / one limb, One limb and one eye Loss of Use of above Totally / permanently incapacitated to work
100% of SI
PTD Actual - Loss of one limb, Loss of one eye, Loss of one hand, Loss of Use of above
50% of SI
PPD As certified by physician % as certified by physician
Basis of assessment
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TTD benefits Payable so long as the insured person be totally
disabled from engaging in any employment or occupation of any description whatsoever
1% of SI One week max of Rs.5000/- Max of 100 weeks
Additional amount payable Carriage of Dead Body- In event of death due to
Accident expenses for transportation of Insured’s dead body reimbursed subject to a maximum of 2% of CSI or Rs 2500/=whichever is less.
Basis of assessment contd.…
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Information required from client to quote No of lives to be covered Sum Insured per life Nature of industry of client Benefit table required Medical extension add-on required or not Past 3 years claims data
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Claims
What information do I need from client’s
end??
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Claim Process
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Claim Documents
Duly completed claim form
Doctor’s ReportPolice report,
wherever necessary
Death certificate, wherever necessary/applicable
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Thank you
Call +91 9900113820 for more information