Personal Accident Insurance

Provides coverage for accidental bodily injury and death. Available as individual or group policy. Covers Death, Permanent Total Disablement (PTD), Permanent Partial Disablement (PPD), Temporary Total Disablement (TTD) and medical expenses. Terrorism/riot/malicious damage can be covered with extra premium.

• Death: 100% of Sum Insured
• Permanent Total Disablement (PTD): 100% of Sum Insured
• Permanent Partial Disablement (PPD): Percentage of Sum Insured depending on disability
• Temporary Total Disablement (TTD): Loss of income (actual loss or 1% of Sum Insured per week, whichever is less)
• Medical expenses: Up to 10% of Sum Insured, maximum NPR 100,000
• Dead body cremation: NPR 10,000 (within Sum Insured limit)
• Funeral expense: 10% of Sum Insured or NPR 50,000, whichever is lower
• Terrorism/riot/malicious damage cover available on extra premium
• Available as Group Personal Accident policy

• Covers accidental death & disablement
• Medical expenses up to NPR 100,000
• Cremation and funeral expense benefits
• Terrorism/riot cover available with extra premium
• Group policy option available