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Old 23rd January 2018, 12:36 PM
Super Moderator
Join Date: Aug 2012
Default Re: National Insurance Company Limited Personal Accident Policy

This is a standalone personal accident policy that pays the sum assured in the event of death of insured member. Apart from death, it offers disability benefit that pays a percentage of sum insured depending on nature of disability

The objective of this personal accident policy is to cover against accidental death, permanent and temporary disability and other related expenses

Policy Detials


Entry Age (years)
Minimum 5
Maximum 70
Maximum Policy Renewal Age (years) 70
Coverage Type Individual/ Family
Sum Insured (Rs)
Maximum 72 months gross pay or Rs.1000000 whichever is less
Policy Term (years) 1


Family discount of 10% if family members are insured on an individual basis under the same policy. Family discount is available for a maximum of 6 persons only

Scope Of Cover

Death benefit pays
100% of sum assured

Loss of two limbs, two eyes or one limb and one eye
pays 100% of sum insured

Loss of one limb or one eye
pays 50% of sum insured

Permanent total disablement
pays 100% of sum insured

Permanent partial disablement
pays a certain percentage of sum insured as stated in the policy document

Temporary total disablement
pays 1% of sum insured per week upto maximum of 104 weeks. Weekly benefit not to exceed Rs 5000

Dead body transportation
reimburses upto 2% of sum insured subject to maximum of Rs 1000

Education fund (for maximum of 2 children)
10% of sum insured per child subject to maximum of Rs 5000 per child

Additional benefits (require extra premium)
Accidental medical expenses reimburses lower of 10% of sum insured or 40% of admissible expenses arising directly out of an accident

Contact Detials

National Insurance Company Limited
Address: 3, Middleton Street, Prafulla Chandra Sen Sarani , Kolkata, West Bengal, 700071.
Telephone: 22831705 / , Fax: 22831740.
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