A sum equal to 1% of Insured sum, subject to a maximum of Rs.15000, is paid in case Permanent Total Disability results in loss of employment.
A sum equal to 1% of Insured sum or Rs.1000 which ever is lower is paid for transporting the dead body of the insured to his native place.
Cumulative bonus of 5% - 50% on Insured sum is given depending upon the successive renewals.
Two children of age less than 23 years are provided Educational Fund at 10% of Insured sum or Rs.5000 per child whichever is lower.
The accident cover is for 24 hours. But if cover is taken for 'on duty only' then, 75% of the normal premium is charged.
Cover can be granted beyond the age limit of 70 at an extra premium of 10%.
To cover the medical expenses an extra premium of 10% is charged, if you want to cover 25% of claim for Personal Accident. A premium of 25% extra is charged to avail a claim of 50%. But as far as the claims settlement goes 10% of sum Insured or 25% claim / 10% of sum Insured or 50% claim, which ever is less is paid.