Policy Wording of Home Insurance (Bajaj allianz Gen.Ins.Co.Ltd.)
SECTION IX:
PERSONAL ACCIDENT INSURANCE
Accidents are sudden and often result in large financial implications. Our policy makes provisions to protect such losses by covering:-
a) - You and your family members under this section Details of each person along with the amount insured of them have to be mentioned
b) - Amount insured is restricted to 60 times the monthly income. For non working spouse and children above 18 the insurance is limited to Rs.1 lac and for children below 18 its limited to Rs.50.000/-
c) - In case of unfortunate event of Permanent Disability as explained in the schedule, 125% of the amount insured will be given
 
Temporary Disability Benefits: In case of complete inability to engage in your employment for a temporary period, the company will pay 1% of the amount insured or Rs.5,000/- which ever is lower per week up to a maximum of 100 weeks for non-working spouse, this will be restricted to Rs.1,000/- per week and for children this extension is not available.
Permanent Partial Disability: in the event of accidental bodily injury causing permanent partial disability within 12 months of the accident, the following benefits will be given:
 
PPD Table
An arm at the shoulder joint 70%
An arm above the elbow joint 65%
An arm beneath the elbow joint 60%
A hand at the wrist 55%
A thumb 20%
An index finger 10%
Any other finger 5%
A leg above mid-thigh/td> 70%
A leg up to mid-thigh 60%
A leg beneath the knee 50%
A leg up to mid-calf 45%
A foot at the ankle 40%
A large toe 5%
Any other toe 2%
An eye 50%
Hearing of one ear 30%
Hearing of both ears 75%
Sense of smell 10%
Sense of taste 5%
• What do I get by paying additional premium? In case of additional payment of premium, you will receive:
• Hospital Confinement Allowance: In the event of an accepted claim for accidental injury sustained by you / an insured family member, requires immediate hospitalization, the company will pay you a daily allowance of Rs.1,000/- for each day the person is admitted, up to a maximum of 30 days from the date that such accident was sustained.
 
Exclusion for Accidents:
  - Caused by suicide, mental dysfunction, alcoholism strokes, epileptic fits, intentional, unlawful or criminal act, engaged in hazardous sports, or aviation (other than as a passenger)
- Pregnancy, miscarriage, abortion, or complications arising out of any of the foregoing VD/HIV/AIDS related illness