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SBI General's Individual Personal Accident Insurance Policy

Experience Life At Every Step By Securing Every Moment

Life is unpredictable, springing unpleasant surprises when you least want it. How good would it be if you could have someone protecting you from life's small and big hurdles? SBI General's Individual Personal Accident Insurance Policy, a product that secures your family's future by covering loss of life, disabilities etc.

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More details about Individual Personal Accident Insurance Policy

  • Policy for salaried, self-employed and entrepreneur
  • Covers loss of life, disabilities and even loss of income - due to accidents
  • Add-on covers for hospital confinement allowance and ambulance charge
  • Permanent Total Disability benefits like education benefit and adaption allowances
  • Cumulative bonus
  • Accidental Death + Permanent Total Disability (PTD)
  • PTD comes with the following benefits at no additional cost
  • Education Benefit to insured's child and spouse upto Rs.50,000/- or 1% of CSI (basic SI), whichever is lower, per person, upto two individuals (children /spouse) on proof of enrolment at Government approved education facility
  • Adaption allowance of 1% of Sum Insured or Rs. 25,000/- whichever is less, for modifying the house or vehicle
  • Add On Covers:
    • Hospital Confinement Allowance – Rs. 1000/2000/3000 per day for maximum 15 days in the Policy period, if accident happens in India
    • Ambulance Charges including air ambulance – up to 10% AD sum insured subject to maximum of Rs.1,00,000/- per policy period. Ambulance cover available for AD Sum Insured > Rs. 5,00,000.
  • Accident resulting from Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted injury, mental or nervous disorder.
  • Accident arising out of and in the course of employment in any branch of the Military or Armed Forces of any country, whether in peace or War.
  • Accident while being under the influence or abuse of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a physician and taken as prescribed
  • Participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion
  • Accident during air travel except as a fare paying passenger on a recognized airline or charter aircraft
  • Accident while operating or learning to operate any aircraft or ship, or performing duties as a member of the crew on any aircraft or ship.
  • Any injury caused by, contributed to, by or arising from nuclear ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel (including any self-sustaining process of nuclear fission) or nuclear weapons material or nuclear equipment or any part of that equipment
  • The dispersal or application of pathogenic or poisonous biological or chemical materials; The release of pathogenic or poisonous biological or chemical materials, or Congenital anomalies or any complications or conditions arising there from
  • Participation in winter sports, skydiving/parachuting, hand gliding, bungee jumping, scuba diving, ballooning, mountain climbing (where ropes or guides are customarily used), all forms of skiing (including but not limited to snow or water), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or/and any other hazardous or potentially dangerous sport for which You are untrained.
  • Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy,
  • Committing breach of law with criminal intent.
  • Loss caused directly or indirectly, wholly or partly by infections (except pyogenic infections which shall occur through an Accidental cut or wound) or any other kind of Disease

Disclaimer: The above information is only indicative in nature. For full details of the coverage & exclusions please contact our nearest office and refer to the policy documents.