The policy provides benefits to the Insured Person in case of the accidental death of or accidental bodily injuries sustained by the Insured Person. The benefit includes the Lump Sum payment in case of the death of the Insured Person, Permanent Total or Partial Disablement, and Temporary Total Disablement.

The Sum insured is usually defined in the amount of four annual salaries of an Insured Person. However, any other fixed Sum Insured amount may also be selected.

Coverage can be effective during work hours only or 24/7.

The coverage can be extended to emergency medical expenses at the request of the Insured.

In personal Accident Insurance, any accidental impact on the Insured Person resulting in his/her death or bodily injury is covered by the insurance policy.