National Policy Warding Home Insurance
SECTION IX
PERSONAL ACCIDENT
If the Insured or such members or his/her family permanently residing with him/her all between the age of 16 and 65 years named in schedule shall sustain bodily injury solely and directly caused by accidental violent external and visible means resulting indeath or disablement as stated hereinafter the Company shall pay to the Insured or Insured person or his/her/Assignee/his/her/legal personal representative the sum or sums hereinafter set forth, that is to say:-
1- If such injury shall within Twelve (12) calendar months of its occurrence be the sole and direct cause of the death of the Insured Person, the Capital Sum Insured stated in the Schedule hereto applicable to such Insured Person.
2- If such injury shall within Twelve (12) calendar months of its occurrence be the sole and direct cause of the total and irrecoverable loss of:-
i - Sight of both eyes, or of the actual loss by physical separation of the two entire hands or two entire feet or one entire hand and one entire foot or of such loss of sight of one eye and such loss of one entire hand or one entire foot, the Capital Sum Insured stated in the Schedule hereto.
ii -  Use of two hands or two feet, or one hand and one foot or of such loss of sight of one eye and such loss of use of one hand or one foot, the Capital Sum Insured stated in the Schedule hereto.
3- If such injury shall within Twelve (12) calendar months of its occurrence be the sole and direct cause of the total and irrecoverable loss of
i - The sight of one eye or of the actual loss by physical separation of one entire hand or one entire foot, fifty percent (50%) of the Capital Sum Insured stated in the Schedule hereto, applicable to such insured person.
ii - Total and irrecoverable loss of use of a hand or a foot without physical separation fifty percent (50%) of the Capital Sum Insured in the Schedule hereto, applicable to such person.
NOTE: For the purpose of clause (2) and (3) above, physical separation of a hand or foot means separation at or above the wrist/or of the foot at or above the ankle respectively.
4- If such injury shall as a direct consequence, thereof, immediately permanently, totally and absolutely, disable the insured person from engaging in any employment or occupation of any description whatsoever, than a lump sum equal to hundred percent (100%) of the Capital Sum Insured stated in the Schedule hereto applicable to such Insured Person.
5- If such injury shall within Twelve (12) calendar months of its occurrence be the sole and direct cause of the total and irrecoverable loss of use or of the actual loss by physical direct cause of the total and irrecoverable loss of use or of the actual loss by physical separation of the following then the percentage of Capital Sum Insured as indicated below shall be payable:-
    Percentage of Capital
Sum Insured
1- Loss of toes-all 20
Great-both phalanges 5
Great-One phalanx 2
Other then great, if more than one toelost each 1
2- Loss of hearing both ears 50
3- Loss of hearing one ears 15
4- Loss of four fingers & thumb of one hand 40
5- Loss of four fingers 35
6- Loss of thumb both phalanx one phalanx 25
7- Loss of index finger-three phalanges 10
Loss of index finger-two phalanges 8
Loss of index finger-one phalanx 4
8- Loss of middle finger – three phalanges 6
Loss of middle finger – two phalanges 4
Loss of middle finger – one phalanges 2
9- Loss of middle finger – three phalanges 5
Loss of middle finger – two phalanges 4
Loss of middle finger – one phalanges 2
10- Loss of middle finger – three phalanges 4
Loss of middle finger – two phalanges 3
Loss of middle finger – one phalanges 2
11- Loss of metacarpals – first of second (additional) 3
Loss of metacarpals–third, fourth or fifth (additional) 2
12- Any other permanent partial disablement Percentage as assessed by the Doctor
6- If such injury shall be the sole and direct cause of Temporary total disablement, then so long as the Insured person shall be totally disabled, from engaging in any employment or occupation of any description whatsoever, a sum at the rate of one percent (1%) of the Capital Sum Insured stated in the Schedule hereto per week, but in any case not exceeding Rs. 5000/- per week, in all, under all policies. Provided that the compensation payable under the foregoing sub-clause (6) shall not be payable for more than 104 weeks in respect of any one injury calculated from the date of commencement of disablement and in no case shall exceed the capital sum insured.
7- In the event of death of the insured person due to accident as defined in the policy outside his/her residence the company shall reimburse expenses incurred for transportation of Insured’s dead body to the place of residence subject to a maximum of 2% of CSI or Rs. 1,000/- whichever is less.
SPECIAL EXCEPTIONS: Provided always that: -
The Company shall not be liable under this policy for
a) - Compensation under more than one of the foregoing Benefits in respect of the same period of disablement.
b) - Any other payment after a claim under one of the Benefits (1) (2) (3) or (4) has been admitted and become payable.
c) - Any payment in case of more than one claim under the policy during any one period of Insurance by which the maximum liability of the Company in that period would exceed the sum payable under benefits (1) of this policy.
d) - Payment of weekly compensation until the total amount shall have been ascertained and agreed.
e)-
(i) From intentional self-injury, suicide or attempted suicide,
(ii) Whilst under the influence of intoxicating liquor or drug,
(iii) Whilst engaging in Aviation or whilst mounting into, dismounting from or traveling in any aircraft other than as a passenger (fare paying or otherwise) in any license standard type of aircraft anywhere in the world
(iv) Directly or indirectly caused by veneral diseases or insanity
(v) Payment of compensation in respect of Death, injury or Disablement of the Insured arising or resulting from the insured committing any breach of the law with criminal intent.
f) - Payment of compensation in respect of Death, injury or Disablement of the Insured Person due to or arising out of or directly or indirectly connected with or traceable to war, Invasion, Act of foreign enemy, Hostilities (whether war be declared or not), Civil War Rebellion, Revolution insurrection Mutiny, Military, or Usurped Power, Seizure, Capture, Arrests, Restrains and Detainments of all kings, princes and people of whatever nation, condition or equality so ever. 
g)- Payment of compensation in respect of death of or bodily injury or any disease or illness to the insured Person.
(i) Directly or indirectly caused by or contributed to by or arising from ionising radiations contamination by radio activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception combustion shall include any self sustaining process of nuclear fission.
(ii) Directly or indirectly caused by or contributed to by or arising from nuclear weapons material.
h) - Death or disablement resulting directly or indirectly caused by contributed to or aggravated or prolonged by child birth or pregnancy or in consequence thereof.
CUMULATIVE BONUS

Compensation payable under clause (1), (2), (3) and (4) of the policy viz death, loss of limb(s) or sight and permanent total Disablement arising out of accidental injuries shall be increased by 5% thereof in respect of each completed year, during which the Policy shall have been in force, prior to the occurrence of an accident for which capital sum becomes payable but amount of such increase shall not exceed 50% of the capital sum Insured stated in the Schedule herein.
This clause shall not in any way alter the annual character of the Insurance not the right of the Company to decline to renew or to cancel this policy as hereinafter provided.
The earned Cumulative Bonus will not be lost if the policy is renewed within 30 days after its expiry.