The Oriental Insurance company limited is one of the leading insurance providers through its copious plans to cover every walk of life for an individual and his family. Oriental Insurance offers an array of Personal accident cover plans to cater the protection needs of various segment of customers. The various kinds of personal accident plans offered by Oriental Insurance are Gramin Accident Insurance Plan Janata Personal Accident Plan Nagrik Suraksha Plan Personal Accident – Group Plan Personal Accident – Individual Plan 1. Gramin Accident Insurance Plan Plan Features A tailored accident protection plan for the rural customers Available at an affordable premium and also cast the importance of protection covers for each and every one in the society. The policy covers Personal Accident cover Death/Permanent Total Disablement, Loss of Limb(s) & Permanent Partial Disablement occurred in the event of accident. Also covers the reimbursement of Hospitalization / Domiciliary Hospitalization expenses for illness / diseases or injury sustained. Affordable premium Valid on yearly basis and can be renewed periodically. Free look period for 15 days allowed reviewing the terms and conditions of the policy and returning the same, if not acceptable. Exclusions from the plan Any Bodily injury as a consequence directly or indirectly of war, invasion, act of foreign enemy, hostilities (Whether war be declared or riot) civil war, rebellion, revolution, insurrection, military or usurped power, confiscations nationalization, civil commotion or loot or pillage in connection herewith. Any bodily injury to the Insured person due to confiscation, requisition or destruction by order of any government, public or local authority Any bodily injury to the Insured person, consequential loss, legal liability , directly or indirectly caused by or contributed to by or arising from Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the Combustion of nuclear fuel. Any Claim towards the ailment of any disease or accidental injury suffered during participation in dangerous sports/activities. Any dental treatment or surgery which is corrective, cosmetic or of aesthetic procedure, filling of cavity, root canal including wear and tear etc unless arising from disease or injury and which requires hospitalization for treatment. 2. Janata Personal Accident Plan Plan Features A comprehensive accidental protection plan for a wide assortment of customers between the age group of 10 years to 80 years. Plan benefits covers compensation towards Death/Permanent Total Disablement, Loss of Limb(s) & Permanent Partial Disablement occurred in the event of accident. Sum Insured to the quantum of minimum Rs.25, 000/- per person PA to the maximum amount Rs.5, 00,000/- PA with increase in sum insured in the multiple of Rs. 25,000/- For sum insured higher than Rs. 2 lakh, income proof is mandatory requirement. Affordable premium rate which is Rs.15/- for a sum insured of Rs.25, 000/-. Valid on yearly basis and can be renewed periodically. Free look period for 15 days allowed reviewing the terms and conditions of the policy and returning the same, if not acceptable Plan Benefit Exclusions from the plan Any existing disability. Death injury or disablement due to intentional self injuries, suicide or attempted suicide. Disablement or death under influence of liquor or drug. Death or disablement during racing, shooting, big game hunting, mountaineering, ice hockey, winter sports. Insanity. Breach of law with criminal intention. War group of perils. Nuclear group of perils. 3.Nagrik Suraksha Plan Plan Features A comprehensive accident protection plan covering the events of Death/Permanent Total Disablement, Loss of Limbs & Permanent Partial Disablement. The benefit cover in the event of disability is subject to the degree of disability which should be not be less than 40% in aggregate for any claim under Personal Accident Plan. The plan is exclusively available only to the citizen of India. The Plan offers compensation towards the expenses incurred in the carriage of dead body of the Insuredto his place of residence and funeral charges for a maximum extent of 2% of the sum insured or Rs 2500, whichever is less. Compensation towards the continuity of education for the dependent children in case of death or permanent total disablement of the Insured due to accident The plan compensate amount equal to 10% of original Sum Insured or Rs.5,000 whichever is higher for single dependent child or Rs. 10,000/- whichever is higher for more than one dependent children as education fund. Any loss of employment due to permanent total disablement, the insured shall be remunerated an amount equal to 1% of the original sum insured Valid on yearly basis and can be renewed periodically. Free look period for 15 days allowed reviewing the terms and conditions of the policy and returning the same, if not acceptable. Exclusions from the plan Any Bodily injury as a consequence directly or indirectly of war, invasion, act of foreign enemy, hostilities (Whether war be declared or riot) civil war, rebellion, revolution, insurrection, military or usurped power, confiscations nationalization, civil commotion or loot or pillage in connection herewith. Any bodily injury to the Insured person due to confiscation, requisition or destruction by order of any government, public or local authority Any bodily injury to the Insured person, consequential loss, legal liability , directly or indirectly caused by or contributed to by or arising from Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the Combustion of nuclear fuel. Any Claim towards the ailment of any disease or accidental injury suffered during participation in dangerous sports/activities. Any dental treatment or surgery which is corrective, cosmetic or of aesthetic procedure, filling of cavity, root canal including wear and tear etc unless arising from disease or injury and which requires hospitalization for treatment. 4. Personal Accident – Group Plan Plan Features All inclusive risk covers against the event of insured sustaining injuries, solely and directly from an accident. Plan is offered to groups such as employee- employer / associations / SHG or any other formal group. The plan is available as Individual cover or family cover. Family shall include spouse and two children aged between 3 months and 79 years. Attractive discounts for premium payment in group accident cover plans. Exclusions from the plan Any Bodily injury as a consequence directly or indirectly of war, invasion, act of foreign enemy, hostilities (Whether war be declared or riot) civil war, rebellion, revolution, insurrection, military or usurped power, confiscations nationalization, civil commotion or loot or pillage in connection herewith. Any bodily injury to the Insured person due to confiscation, requisition or destruction by order of any government, public or local authority Any bodily injury to the Insured person, consequential loss, legal liability , directly or indirectly caused by or contributed to by or arising from Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the Combustion of nuclear fuel. Any Claim towards the ailment of any disease or accidental injury suffered during participation in dangerous sports/activities. Any dental treatment or surgery which is corrective, cosmetic or of aesthetic procedure, filling of cavity, root canal including wear and tear etc unless arising from disease or injury and which requires hospitalization for treatment. 5. Personal Accident Plan – Individuals Plan Features A simplified accident protection cover plan for individuals offered without any medical checkup. Lifelong coverage based on successful renewals. Available for adult individuals between the age group 18-75 years and for children between the age group of 6 months-18 yrs for children with lifelong renewal facility. Free Look Period of 15 to evaluate the terms and conditions of this Policy and in case of any disagreement, policy holder has the option of cancelling the Policy stating the reasons for cancellation. 30 days grace Period is offered for renewing the Plan. In the event of death caused due to accident or due to any consequence of injury within 12 Months post occurrence of accident is covered up to the full sum insured amount. A proportionate compensation for any Injury occurred within 90 Days from the date of the Accident resulting in one of the losses as per Schedule of Injuries. Expenses incurred towards emergency Medical services for the urgent treatment of an Injury. For the cases of disablement, any expenses is incurred towards home alteration or vehicle modification, including the use of wheelchair, the plan benefits include the same. The Plan offers compensation towards the expenses incurred in the carriage of dead body of the Insuredto his place of residence and funeral charges for a maximum extent of 2% of the sum insured or Rs 2500, whichever is less. Compensation towards the continuity of education for the dependent children in case of death or permanent total disablement of the Insured due to accident The plan compensate amount equal to 10% of original Sum Insured or Rs.5,000 whichever is higher for single dependent child or Rs. 10,000/- whichever is higher for more than one dependent children as education fund. Any loss of employment due to permanent total disablement, the insured shall be remunerated an amount equal to 1% of the original sum insured. Cumulative bonus as an augment of 5 % towards the accidental death and hospitalization benefit is provided for individual personal accident plan for each claim free year for a maximum quantum of 20% of the sum insured as specified in the schedule of insurance. Exclusions from the plan Any Bodily injury as a consequence directly or indirectly of war, invasion, act of foreign enemy, hostilities (Whether war be declared or riot) civil war, rebellion, revolution, insurrection, military or usurped power, confiscations nationalization, civil commotion or loot or pillage in connection herewith. Any bodily injury to the Insured person due to confiscation, requisition or destruction by order of any government, public or local authority Any bodily injury to the Insured person, consequential loss, legal liability, directly or indirectly caused by or contributed to by or arising from Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the Combustion of nuclear fuel. Any Claim towards the ailment of any disease or accidental injury suffered during participation in dangerous sports/activities. Any dental treatment or surgery which is corrective, cosmetic or of aesthetic procedure, filling of cavity, root canal including wear and tear etc unless arising from disease or injury and which requires hospitalization for treatment.
