The New India Assurance Personal Accident Policy offers compensation in case of death or bodily injury due to an accident. The policy provides coverage worldwide, 24 hours a day. It offers various coverage options, from death-only to comprehensive coverage including death, permanent disablements, and temporary total disablements.

Key features:

• Family Package cover: Covers the proposer, spouse, and dependent children under a single policy with a 10% discount.

• Group personal accident policies: Available for specified groups with discounts depending on the group size.

• Coverage types:

  • Death cover: 100% of the capital sum insured is payable.

  • Loss of two limbs/both eyes/one limb and one eye: 100% of the capital sum insured is payable.

  • Loss of one limb or one eye: 50% of the capital sum insured is payable.

  • Permanent Total Disablement (other than above): 100% of the capital sum insured is payable.

  • Permanent Partial Disablement: A percentage of the capital sum insured is paid.

  • Temporary Total Disablement: A weekly payment of 1% of the capital sum insured is paid for up to 100 weeks.

Additional benefits:

• Carriage of dead body: Covered up to 2% of the capital sum insured or INR 2,500, whichever is less.

• Education fund: Payable for up to 2 dependent school-going children in case of death or permanent total disablement.

• Add-on covers: Medical expenses, war risk, and coverage restriction to duty hours or off-duty hours.

This policy offers comprehensive financial protection for individuals and families in case of accidental death or injury.