| Section A |
| Accidental death |
On the death of the insured individual due to an accident, the company will pay the sum insured, given that the event of their death was caused within 12 months of the accident. |
| Permanent Total Disablement (PTD) |
It covers conditions specific to the policy wordings like loss of sight in both eyes, loss of both limbs or the loss of body parts that hinder the insured from working/staying employed, the insurer will pay the sum insured. |
| Permanent Partial Disablement (PPD |
If the insured person gets PPD based on the conditions specified, the company will pay out upto 100% of the sum insured, if the disability is proved within 12 months from the accident. |
| Temporary Total Disablement (TTD) |
If the disability incapacitates the insured person from staying employed, the insurer will pay upto a maximum of 100% of the sum insured weekly and as per the specifications of the policy wording. |
| Section B |
| Accidental hospital daily cash benefit |
The insurer pays out upto a fixed amount during hospitalization, daily. |
| Accidental hospitalization expenses reimbursement |
The insured individual can also claim a reimbursement against the expenses incurred on hospitalization. |
| Convalescence benefit |
The insurer compensates in terms of income loss upto a sum of INR 10,000 during hospitalization for consecutive 10 days (minimum). |
| Optional covers |
| Transportation of the dead body |
The claim raised regarding dead body carriage to the insured’s residence will be paid upto the sum insured or as per the specifications of policy documents. |
| Permanent total disablement improvement benefit |
If the insured person has gotten a PTD condition and it’s mandatory to make any lifestyle changes respective to their residence or mobility, the company will cover the cost of the altercation upto the specified limit or the sum insured. |
| Permanent partial disablement improvement benefit |
Lifestyle or mobility changes are to be made as per the medical practitioner’s mandate to support their daily life and shall be covered by the insurer upto the maximum sum insured or specified limit. |
| Children’s education grant |
The company aids insured children’s future upto the specified sum insured as per opted benefits, by giving them a chance to pursue further education until they are under 25 years of age. |
| Ambulance charges |
The Kotak Accident Care policy ensures seamless transportation of the insured individual in time of distress (from the event spot) to the hospital. |
| Funeral expenses extensions |
In case of the insured’s death, the company will pay out against the funeral expenses supporting their family’s finances. |
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