Cholamandalam Chola Accident Protection Insurance

(24 Reviews)
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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      Cholamandalam Chola Accident Protection Insurance

      The policy offers is available for the Individual as well as family in case of any accident. It allows for weekly compensation due to disability/death and is available on a worldwide basis.

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      Eligibility:

      • Minimum age- 18 years, maximum- 69 years.
      • Dependent children (up to 25 years of age) are eligible under family option

      Policy Details:

      Policy Benefits:

      • Accidental Death: If the Insured dies within the policy period, the nominee is compensated with the Insured Sum.
      • Permanent Total Disability: If such disability is continuous for 12 months, a percentage of sum insured is covered against.
      • Weekly Compensation: Compensation is provided against loss of income due to a disability.
      • Broken Bones: Fixed Amount is borne for treatment of fractures/accidental bone damage.
      • Modification of Residences / Vehicle:Expenses against modification of accommodation or own vehicle are covered in case of permanent total disability.
      • Family Transportation Benefit: Expenses against transportation of family member in case accidental death / permanent total disability of the insured.
      • Fee for Private tuition: Tuition fees of the Insured student are borne if he/she is not able to attend school/college due to an accident.
      • Ambulance charges:Ambulance hiring charges after an accident are covered.
      • Hospital Cash: Pays a daily allowance as stated in the policy schedule in the event of hospitalization either due to sickness or accidents
      • Repatriation of remains: Expenses against funeral or repatriation of remains, in case of death of the insured in foreign country are borne.

      Exclusions:

      • Expenses due to suicide/ self-inflicted injury, sexually transmitted diseases, mental/nervous disorder, anxiety or depression.
      • Injuries due to involvement in war, invasion or terrorist activity involvement.
      • Participation in winter sports, sky diving, scuba diving or related sport activities.
      • Being under the influence of drugs or alcohol.
      • Exposure to radioactive substances or diseases due to intoxication.

       

      Premium Details:

      Coverage Table - Self

      Sum Insured

      5 Lacs

      7.5 Lacs

      10 Lacs

      15 Lacs

      20 Lacs

      25 Lacs

      50 Lacs

      75 Lacs

      1 Crore

      Annual Income Eligibility

      50000

      75000

      1 lac

      1.5 Lacs

      2 Lacs

      2.5Lacs

      5 Lacs

      7.5 Lacs

      1 Crore

      Accidental Death

      5 Lacs

      7.5 Lacs

      10 Lacs

      15 Lacs

      20 Lacs

      25 Lacs

      50 Lacs

      75 Lacs

      1 Cr

      Permanent total Disability

      5 Lacs

      7.5 Lacs

      10 Lacs

      15 Lacs

      20 Lacs

      25 Lacs

      50 Lacs

      75 Lacs

      1 Cr

      Permanent Partial Disability

      2.5 Lacs

      3.75 Lacs

      5 Lacs

      7.5 Lacs

      10 Lacs

      12.5 Lacs

      25 Lacs

      37.5 Lacs

      50 Lacs

      Weekly Indemnity

      5,00000

      5,00000

      5,00000

      5,00000

      5,00000

      5,00000

      7,50000

      7,50000

      7,50000

      Broken Bone

      50,000

      50,000

      50,000

      50,000

      50,000

      50,000

      1 Lacs

      1 Lacs

      1 Lacs

      Modification of Residence Vehicle

      1 Lacs

      1 Lacs

      1 Lacs

      1 Lacs

      1 Lacs

      1 Lacs

      2 Lacs

      2 Lacs

      2 Lacs

      Cost Of Transporting Mortal Remains

      6000

      6000

      6000

      6000

      6000

      6000

      6000

      6000

      6000

      Cost of Performance of Death Ceremonies

      5000

      5000

      5000

      5000

      5000

      5000

      5000

      5000

      5000

      Ambulance Hiring Charges

      1000

      1000

      1000

      1000

      1000

      1000

      1000

      1000

      1000

      Family Transportation Benefit

      5000

      5000

      5000

      10,000

      10,000

      10,000

      15,000

      15,000

      15,000

      Hospital Daily Cash (Up to 30 days) - Optional Cover

      500/day

      500/day

      500/day

      500/day

      500/day

      500/day

      500/day

      500/day

      500/day

      Premium Including Service Tax 14% (With Hospital Daily Cash)

      1501

      1758

      2017

      2534

      3051

      3569

      6620

      9207

      11793

      Premium Including Service Tax 14% (Without Hospital Daily Cash)

      1035

      1293

      1552

      2069

      2588

      3104

      5999

      8587

      11224

       

       

      Coverage Table - Family (Self + Spouse + Upto 2 Children)

      Sum Insured

      5 Lacs

      7.5 Lacs

      10 Lacs

      15 Lacs

      20 Lacs

      25 Lacs

      50 Lacs

      75 Lacs

      1 Crore

      Accident Death - Spouse

      2.5 Lacs

      3.75 Lacs

      5 Lacs

      7.5 Lacs

      10 Lacs

      10 Lacs

      10 Lacs

      10 Lacs

      10 Lacs

      Permanent Total Disability - Spouse

      2.5 Lacs

      3.75 Lacs

      5 Lacs

      7.5 Lacs

      10 Lacs

      10 Lacs

      10 Lacs

      10 Lacs

      10 Lacs

      Permanent Partial Disability - Spouse

      1.25 Lacs

      1.87 Lacs

      2.5 Lacs

      3.75 Lacs

      5 Lacs

      5 Lacs

      5 Lacs

      5 Lacs

      5 Lacs

      Accident Death - Per child

      50000

      75000

      1 Lac

      1.5 Lac

      2 Lac

      2.5 Lacs

      2.5 Lac

      5 Lac

      5 Lac

      Permanent Total Disability - Per child

      50000

      75000

      1 Lac

      1.5 Lac

      2 Lac

      2.5 Lacs

      2.5 Lac

      5 Lac

      5 Lac

      Permanent Partial Disability - Per Child

      25000

      37500

      50000

      75000

      1 Lacs

      1.25 Lacs

      1.25 Lac

      2.5 Lac

      2.5 Lac

      Tuition Fees Per child -Rs 250 Per day

      5000

      5000

      5000

      5000

      5000

      5000

      5000

      5000

      5000

      Coverage Under cost of Transporting Mortal Remains, Cost of performance of death ceremonies &ambulance hiring charges are same as under self

      Hospital Daily Cash (Up to 30 days) - Optional Cover

      500/day

      500/day

      500/day

      500/day

      500/day

      500/day

      1,000/day

      1,000/day

      1,000/day

      Premium Including Service Tax 14% (With Hospital Daily Cash)

      2327

      2793

      3207

      4086

      4965

      5535

      9207

      11794

      14432

      Premium Including Service Tax 14% (Without Hospital Daily Cash)

      1552

      2017

      2432

      3310

      4189

      4758

      8173

      10759

      13397

      *The above rates may vary. Please check the policy wordings for more details.

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