• Accidental Death: A lump sum is paid to the designated beneficiary if the insured person dies as a direct result of an accident.
• Permanent Total Disability (PTD): Provides a lump sum payment if an accident results in a permanent total disability that prevents the insured from working in any gainful occupation.
• Permanent Partial Disability (PPD): A percentage of the sum assured is paid out based on the severity of the injury (e.g., loss of a limb, sight, or hearing).
• Temporary Total Disability (TTD): Offers a weekly or monthly benefit (loss of income compensation) if the insured is temporarily unable to work due to accident-related injuries.
• Medical Expense Reimbursement: Covers the costs incurred for hospital treatment, surgeries, medications, and other necessary medical care resulting from an accident, up to a specified limit.
• Additional Benefits: May cover expenses for artificial appliances (like crutches), ambulance costs (including air ambulance), funeral expenses, and a child education benefit in the event of the insured’s death or PTD. 

Common Exclusions

• Injuries or death due to illness or disease.
• Self-inflicted injuries or suicide attempts.
• Injuries sustained while under the influence of alcohol or drugs.
• Injuries from participation in hazardous sports (e.g., bungee jumping, mountaineering) or criminal activities.
• Accidents caused by war, invasion, or political violence