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A Personal Accident policy generally covers:

Accidental Death – Lump sum benefit paid to nominee/legal heirs.

Permanent Total Disability (PTD) – Compensation if insured is permanently disabled (e.g., loss of both limbs, loss of eyesight).

Permanent Partial Disability (PPD) – Benefit for partial but permanent disability (e.g., loss of one limb).

Temporary Total Disability (TTD) – Weekly benefit if insured is temporarily unable to work.

Medical Expenses (optional) – Hospital and treatment costs due to accident.

Covers death, disability, and injury due to accidents.

One single policy for the entire group.

Low premium (cheaper than individual accident policies).

Coverage is the same for all members, or it can be based on salary/grade.

Worldwide coverage (in most policies).

Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Employees’ Compensation Act (for workers)State Govt. / Central Govt.  Schemes

The employer (or their Workmen Compensation Insurance company, if employer has taken policy).

Death Claim – When the policyholder dies during the policy term.

Paid to the nominee/legal heir.

Can be due to natural or accidental death (depends on policy terms).

2. Maturity Claim – When the policy term is completed and the insured survives.
Paid to the policyholder.

3. Rider Claim – If the policy has riders (e.g., accidental death, critical illness, disability), claims can be made separately.

Reimbursement Claim If treatment taken in non-network hospital OR cashless denied.

You can reach our customer support team by emailing info@yourcompany.example.com, calling +1 555-555-5556, or using the live chat on our website. Our dedicated team is available 24/7 to assist with any inquiries or issues.

We’re committed to providing prompt and effective solutions to ensure your satisfaction.

  1. Accidental Death – Lump sum benefit (as per policy sum insured).


2. Death due to Illness – Covered if hospitalization/medical treatment expenses are within policy scope.


3. Repatriation of Mortal Remains – Cost of transporting the body back to home country.


4. Funeral Expenses Abroad – If repatriation not possible, policy may cover local burial/cremation.


5. Flight Accidental Death Benefit (if included as add-on).

1. Life Insurance Claim – If the insured dies, nominee can claim death benefit.

2. Health Insurance Claim – Medical expenses reimbursed or cashless hospitalization.

3. Personal Accident Claim – Compensation in case of accidental death/disability.

4. Credit-Linked Claim – If customer dies, insurance covers outstanding loan EMI balance (e.g., home loan, car loan, personal loan insurance).
🔹 Types of Marine Insurance Claims

1. Cargo Claim – For goods damaged or lost during transit.


2. Hull Claim – For damage to the ship/vessel itself.


3. Freight Claim – For loss of freight income due to damage/loss.


4. Liability Claim – For third-party liability (e.g., collision, environmental damage).


🔹 Common Marine Perils Covered

Fire, explosion

Vessel sinking, capsizing, grounding

Collision

Theft, piracy

Natural calamities (storm, earthquake, lightning, tsunami)

Jettison (throwing cargo overboard to save ship)

General Average contribution