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 Individual > Personal Accident > Chola Accident Protection Plan |
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Cholamandalam | | | | | | Accidental Death In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured. |  | Permanent Total Disability
In the event of accidental injury, causing the insured Permanent Total Disability and such disability has continued for 12 consecutive months, the company will pay the insured the percentage of sum insured as mentioned in the table below:
| Benefits | Percentage of Capital Sum Insured | | Loss of sight of both eyes | 100% | | Loss of two entire hands or two entire feet | 100% | | Loss of one entire hand and one entire foot | 100% | | Loss of sight of one eye and such loss of one entire foot, or hand | 100% | | Complete loss of hearing of both ears & complete loss of speech | 100% | | Complete loss of hearing of both ears or complete loss of speech and loss of one limb or loss of sight of one eye | 100% | | | Permanent Partial Disability
In the event of accidental injury, causing the insured Permanent Partial Disability and such disability has continued for 12 consecutive months, the company will pay the insured the percentage of sum insured as mentioned in the table below:
| Benefits | Percentage of (Principal Sum) | | Loss of toes: all | 20% | | Great: both phalanges | 05% | | Great: one phalanx | 02% | | Other than great, if more than one toe lost, each | 02% | | Loss of hearing - both ears | 60% | | Loss of hearing- one ear | 30% | | Loss of speech | 60% | | Loss of four fingers and thumb of one hand | 40% | | Loss of four fingers | 35% | Loss of thumb: both phalanges
-one phalanx | 25%
10% | | Loss of index finger- three phalanges or two phalanges or one phalanx | 10% | Loss of middle finger –three phalanges
or two phalanges or one phalanx | 06% | Loss of ring finger – three phalanges
or two phalanges or one phalanx | 05% | Loss of little finger – three phalanges
or two phalanges or one phalanx | 04% | | Loss of metacarpals – first or second, third, fourth or fifth | 03% | | Sense of smell | 10% | | Sense of taste | 05% | | Sight of one eye | 50% | | One Hand | 50% | | One foot | 50% | | | Age Limit: Any person between 18 - 69 years can buy the policy.
Children upto 25 years of age can be covered under the policy. | | Geography: CAPP compensates the insured for injuries sustained anywhere in the world. | | Please refer to the Policy Wordings for the complete coverages, exclusions and terms and conditions of the policy. | | | | | | | | This policy does not provide benefits for any death, disability, expense or loss incurred in result of any Injury attributable directly or indirectly to the following: | | Intentionally self-inflicted injury, suicide or any attempt threat while sane or insane. | | War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kings, princes, and people of whatsoever nation condition or quality. | | Participation in naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy with foreign or domestic. | | Loss sustained or contracted in consequence of the Insured being under the influence of alcohol or drugs unless administered on the advice of a physician. | | *Please note that the maximum liability of the Company in respect of each individual shall be the Sum Insured as per the option selected and in any case shall not exceed 10 times the annual income where multiple policies are taken. | | Please refer to the Policy Wordings for the complete coverages, exclusions and terms and conditions of the policy. | | | | | Sum Insured (in Rs.) | 5 Lacs | 7.5 Lacs | 10 lacs | 15 Lacs | 20 Lacs | 25 Lacs | 50 Lacs | 75 Lacs | 1 Crore | 1.5 Crore | 2 Crore | 2.5 Crore | 3 Crore | | Annual Income Eligibility (Rs.) | 50000 | 75000 | 100000 | 150000 | 200000 | 250000 | 500000 | 750000 | 1000000 | 1500000 | 2000000 | 2500000 | 3000000 | | Individual- Premium
Including Service Tax (Rs.) | 1452 | 1701 | 1952 | 2452 | 2952 | 3454 | 6405 | 8909 | 11410 | 16865 | 22320 | 27328 | 32329 | Family - Premium Including
Service Tax (Rs.) | 2,252 | 2,703 | 3,103 | 3,953 | 4,804 | 5,355 | 8,909 | 11,411 | 13,963 | 19,267 | 24,722 | 29,727 | 34,731 | | |
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