Product Features and Benefit:

Major Cover

• Accidental Death
• Permanent Partial Disability
• Permanent Total Disability
• Medical Expenses due to accident
• Hospital Cash
• Unlimited Tele Consultation

Product Benefits:

1. Accidental Death- It covers Death due to Accident within 365 days of the accident date. Coverage limit is 100% of the Sum Insured.
2. Permanent Total Disability- It covers Total Disability which is permanent in nature & occurs within 365 days of the accident Date. Coverage limit is 100% of the Sum Insured.
   1. loss of the sight of both eyes
   2. Physical separation of or the loss of ability to use both hands or both feet
   3. Physical separation of or the loss of ability to use one hand and one foot
   4. Loss of sight of one eye and the physical separation of or the loss of ability to use either one hand or one foot
3. Permanent Partial Disability- The policy covers the total and continuous loss or impairment of a body part or sensory organ, with the percentage of disability specified in policy document.
4. Accidental Hospitalization- Expenses incurred due to an admission in a Hospital because of an accident for a minimum period of 24 consecutive hours are covered under the policy.
5. Accident Hospital Cash Benefit-The policy provides a per day benefit for the specified period of Hospitalization due to Accidental bodily injury.
6. Teleconsultation: Insured member can avail Unlimited teleconsultation during the calendar year.
7. Educational Grant: If a claim is paid under accidental death or permanent total disability, then an additional benefit payment is made to the dependent child/children max 2 below the age of 25 years.

Features of Suraksha Kawach:

Entry age	18-65 Years
Policy tenure	1 year
Policy offered to	IPPB Customers

Coverage:

FEATURES	Option -1	Option -2
Sum Insured	Rs.5,00,000	RS.10,00,000
Policy Type	Self Only	Self Only
Age Band (Years)	18-65	18-65
Accidental Death	100% of Sum Insured	100% of Sum Insured
Permanent Total Disability	100% of Sum Insured	100% of Sum Insured
Permanent Partial Disability	As per Disability Table	As per Disability Table
Hospitalisation Expenses Due to Accident	10% of the Sum Insured or actuals	10% of the Sum Insured or actuals
Carriage of Dead Body	Rs.5,000	Rs.5,000
Educational Grant	Rs. 25,000/Child. Max 2 Children	Rs. 50,000/Child. Max 2 Children
Home Alteration  & Vehicle Modification Benefit	Reimbursement of actual expenses incurred subject to a maximum Rs.1 lac	Reimbursement of actual expenses incurred subject to a maximum Rs.1 lac
Hospital Cash	Rs.500/Day up to 15 Days for Accident-related hospitalization.	Rs.500/Day up to 15 Days for Accident-related hospitalization.
Tele Consultation	Unlimited	Unlimited
Premium Including GST 18%	Rs.345	Rs.565

 

Download Brochure : click here to download the brochure

Claims Process :  Click here to download the claim forms

Download FAQs: Click here to download the FAQs

 

Disclaimer: The Participation by IPPB’s customer in insurance products is purely on a voluntary basis. There is no “Linkage” either direct or indirect between the provision of banking services offered by the bank to its customers and use of the insurance products.