Description
This policy covers bodily injury caused by accidental, violent, external and visible means which solely and independently results in death or disablement.
It also covers reimbursement of medical expenses up to stated limits as a result of such injuries. The policy could either be taken up by individuals or groups like employees or social clubs. Benefit could be on salary bases or on capital sum insured.
Premium Ratings
Ratings are carried out according to classes of employees
| Case | Class1 | Class2 | Class3 |
| Death | 0.075 – 1% | 1% – 1.25% | 1.25 – 2% |
| Permanent Disability | ditto | ditto | ditto |
| Disablement | 20-30% | 25-37.5% | 30-40% |
| Medical | 10-15% | 17.5-30% | 25-40% |
| Burial Expenses | 2-3% | 2-4% | 3-5% |
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