Endorsement

n
•
>m
ßH
$
Z

(UIN: 512B209V02)
LIC's Accidental Death and Disability Benefit Rider (UIN: 512B209V02)

h̀
X
Ò
Vm
doO
_
yb
n
m
∞{
bgr
H$
mE
H$
n•
>m
ßH
$
Zh°,
{
OgH
$
m
{d
da
UA
Zwg
yM
r
_|{
X̀
mJ̀
m
h°A
m
°a
Om
on
m
∞{
bgr
H$
mE
H$
^m
Jg_
P
mO
mE
J
m.

b
m
^ Am
°a
‡r
{
_`_,O°g
o{
H${Z
ÂZ
{b
p
IVA Z
yg
yMr_
|d
{
U ©V
h¢,
_yb
nm
∞{
bgrH
o$
AßV
J
©V
X
o`
h
m
|J
oA
m
°a
do_
yb
n
m
∞{
bgr
_|d
{
U©V
e
Vm
]H
o$
A{V
[
a∫
$h̀
m
±
C
Î
bo{
IVeVm
]H
o$
AY r
Zhm
|J
o,
O~V
H$
C›h
|{
Z{
X©Ô
>Í
$
ngo~m
haZ a
I
m Om
E.
E
b
Am
B©g
r
H o$
X˛K
©Q>Z
m
de_
•À
`
wAm
°a
{
dH
$
bm
ßJ
V
m{
hV
bm
^H$
s The conditions of LIC’s Accidental Death and (
~
r
) A›
` g^r`m oOZ
m
Am| H
o${
bE(
E
bA
m
B©g
rH
o$O
r
dZ(B) For all other plans (excluding LIC’s Jeevan
e
V
]{
ZÂZ
m
Zwgmah¢: Disability Benefit Rider are as under: {
ea
mo_
{
UH$
m
oN
>m
oãS>H
$
a
): Shiromani):
An ‘Accident’ for the purpose of this policy is The maximum aggregate limit of assurance
B
gn
m∞{
bgrHo$
C‘oÌ
`go"
X
˛K
©Q
>Z
m
' {
ZÂ
Z Í
$n _
|n[
a^
m{
fV h
° defined as “An Accident is a sudden, unforeseen
E
H $ hrO r
dZ na Ï`{
∫ $J
V nm ∞{
b{
g̀m
|H o$g mW h rg _ yh under all policies including policies with in-
"
'
EH
$X˛K
©Q
>Z
m AMmZ
H$
,A‡Àm̀
{
eVAm°aAZ°p
¿
N>H
$KQ
>Zm
h° and involuntary event caused by external, violent n
m ∞{ b {g̀
m|,
{OgHo$ {bE AJ´m
ß[
H $
V bm^b m
J yh m
oßJo, H o$ AßVJ ©V built Accident Benefit taken with Life
O
m
o~
mhar
, q
hgH$Am
°a
—Ì`
_mZgm
YZm
|Ho$
H$
m a
U h
m
oV
rh ' and visible means.”
°.
' ^m a V r
` OrdZ ~r_ m{ ZJ
_ H o$g m
W brJ B © A ßV {
Z©{
h V Insurance Corporation of India under
X
˛K ©Q
>Zmb m
^ dmb rn m∞{
b{
g̀ m
|g {
hVg ^ rn m ∞[
b {g̀ m|H o$ individual policies as well as group policies on
LIC’s Accidental Death and Disability Benefit the same life to which following benefits apply
E
b Am
B ©g rH $mX ˛K ©Q
>Z md
e _ •À
`w Am
°a {
d H$
bm
ßJVm{h
Vbm
^ Rider is available on payment of additional A ßV J©V~r_
mH$
s A { YH$ V_ gß` w∫ $gr
_m{H $
g r ^ r pÒ W{V _ |
A{
V [
a
∫ $ ‡r
{_ `_ H o$ ^wJV
mZn a
C n
b „Yh °.h̀ bm
^ n
m
∞{
bg r premium. This benefit will not be available under shall not in any event exceed `100 lakhs of
X
˛K ©Q
>Zmb m
^~r_mH •$
V a m
{
e Í $
. 100b m
I g oA [Y H$ Z h t Accident Benefit Sum Assured. If there be
H
o$A ßV J ©V A d̀ Ò H $Ï `{
∫$H o${ b E, ~ r
{
_V Ord
Z H$s the policy on the life of minors, during minority of h
moJ r
. `[
X EH$g oA {Y H$ nm∞{
b {
g̀m
ßhm
|Jr A m
°a ` {X H w$
b more policies than one and if the total
Ad̀Ò H $
V mH o$Xm °am Z C
nb„
Y Z hth m
oJ
m
.h mbm
±{
H${
ZJ_Ho$ the Life Assured. However, this Rider will be X
˛K ©Q
>Zmb m
^~r_mH•$V a m
{
e Í$ .1 00bmI g oA {
Y H $h m
oJ r, Accident Benefit Sum Assured exceeds `100
available from the policy anniversary following
~r
_m
ßH
$Z { Z̀ _m
|Ho$ A Z wg
m
a` m
oΩ` nm
E O m
Z on a{
d {e
Ô>AZ
wa
m
oY Vm ob m^O m
arH
$sJB ©nm
∞{b{
g̀ m
|H $
s{
V{WHo$ H´$
_ _|‡ W_ È . lakhs, the benefits shall apply to the first `100
completion of age 18 years on receipt of specific
‡m
· h
m oZoA m
°a A{V [ a∫$ ‡
r
{_`_ H $m
^ wJ
Vm
Z H
$a
Z on
a 1
8 df© 10 0 bm
I X
˛K
©Q
>Zm b m
^ ~
r_ m
H •$ V a
m{
en a b mJ yh m|J o. lakhs Accident Benefit Sum Assured in order
request and payment of additional premium, if
of date of policies issued.
H
$sC_ ´Ho$ nya
mhm
oZ oH o$~ m
Xnm
∞{
b g rH$
s df©J m
ßR
>go h̀
{h
Vbm
^ found eligible as per the underwriting rules of the
Corporation. {
H
$gr
^ r
pÒ
W[
V_,
| C
na
m
∫
o$(E
)
H$
oAV
ßJ
V
© brJ
B ©nm
[
∞b[
g̀m
| In any case, the maximum Accident Benefit
Cnb„
Y h m
oJ
m . g
{hV
{H$
grÏ
`{
∫$ H
$
m
o‡
Xm
Z H
$
sJ
B©A{
YH$
V_XK
˛ Q
©>
Zmbm
^ cover offered to an individual including the
Subject to as stated above, under an inforce
C
n am o∫
$H o$A Y rZ hm
oH $
a, EH $‡ ^ m
d rn m ∞{
b grH o$A ßV J ©V , policy the LIC’s Accidental Death and Disability ~
r_
mga
wj
mÍ$
.
20 0bm
IgoA
{
YH$Z
hthm
J
or
. policies taken under (A) above, will not
exceed `200 lakhs.
E
b A m
B©gr Ho$X ˛K©Q >Zm
de _ •À
`wE d ß{dH$ bmßJ
V m {
hVb m ^ H$mo_ yb Benefit Rider can be opted for at any time within
AJa O r
dZ ~r {
_ V Ï` {
∫$
, O ~ h̀nm ∞{
b grg ßnyU©
n
m ∞{
b g r H $s ‡r{_ ` _ ^wJV m
Z A d {Y H o$
^ r
V a {
H$g r ^ r g _ ` premium paying term of the Base Policy
the
~r
_ m
H•$V a
m{ e H
o$ {b E ‡^ m
drh m
o,V~{
H $
grg _ `X˛K ©Q>Z m
If the Life assured is involved in an accident at
provided, the outstanding premium paying term any time when this Policy is in force for the full
M
wZ mO mg H$
V mh °,~
e V},_ yb n m
∞{
b g
rH $
s~ H$m` m‡ r{
_ ` _of the Base Policy is atleast five years but before gogß~ ’ h
moV m
/h m
oV rh °,A m
°a
E ogrMm
oQ
>g _
J´V : B
gH o$ h moZ
o Sum Assured, and such injury shall within
^wJ Vm Z A d{Y H$ _ g oH$ _ n mßM df©hmo,b o{
H$Z n m∞{
b g rH $
s the policy anniversary on which the age nearer H
o$1 8 0 {
X ZHo$ ^ r
V a, ‡À j̀ Í
$ng oA
m °a g^r A › ` 180 days of its occurrence solely, directly and
d
f ©JmßR>g on hb oh m o{ O
g na Or
d Z ~ r{
_V H $
s {
Z H
$Q>V_ O› _ { X Zbirthday of the Life Assured is 70 years. Wherever H
$maU m|g oÒ dV ßà hm
oH $a (E) `mVmoÒWm B©E d
ßg ßnyU© independently of all other causes result in (a)
A m
` w7 0 d f©h m
o. O ~^ r Bg {h V bm
^ H $
m
on m
∞{
bg r H o$A ßV J ©V this rider has been opted for under the policy, the either permanent and total disability, as
benefit covered under this rider will be available AnßJV m, O °gmh̀ m ±B
g H o$
nÌM mVn[a
^ m
{f
V h°,`m ( ~ r ) hereinafter defined or (b) death of the Life
M
wZ m OmE, Vm
oB g {
hVb m
^ Ho$ A ßV
J©V H $
d a {
H$
` mO mZod m
b m during the outstanding policy term, or upto the OrdZ ~ r{
_V H$s _ •À`wH o$Í$
n _|n
[a
{UV h
m
oV rh°Am °a h̀ assured and the same is proved to the
b m^ ~H$m` m‡ r{_ ` _^ wJ
V m
Z A d {
Y, `
m C g nm
∞{bg rd f ©J m ßR
> policy anniversary on which the age nearer {
ZJ _ Ho$g ßV
m
of VH ${ g ’ h
moVr h
°,Vm
o{Z
J _ {ZÂ
Z m
ß{H $V satisfaction of the Corporation, the
V
H $C n b „Y h moJ m,{O g n a O rdZ ~ r
{ _V H $
s{ ZH $
Q >V _birthday of the Life Assured is 70 years, _m
_ b o_ |gh _
V hm
oV mh °: Corporation agrees in case of:
whichever is earlier, provided the Policy is inforce
O › _{ XZ A m
` w7 0 d
f©h m
o, Om o^ r nhb oh mo, ~eV }X ˛K ©Q
>Z m H $
s for the full Sum Assured as on date of accident. (a). Disability to the Life Assured: (i) pay
{
V {W na nm∞{
bg rn ya r
~r_ ma m
{
e H o$ {
bE ‡
^ m
d rhm
oVrh °. (
E
)
.Ord
Z ~ r{
_ V H$
s {
d H$ bm
ßJV
m: ( 1) Bg n m ∞{bgr H o$ additional sum equal to the Accident
The additional premium for this Rider will not be AßV
J©V 10 df © V H ${dÒVm [
a V g _m
Z _m{
g H $ Benefit Sum Assured in equal monthly
B
gn m
∞{
bgrHo$AßV
J©V g ^r‡r{
_`
_m
|H$
m ^wJ
Vm
Z h
moOmZ
oHo$ required to be paid after all premiums under this instalments spread over 10 years under
Policy have been paid or on and after the policy {
H$ÒV m|_ |X ˛K©Q
>Z mb m
^ ~
r_
mH •$V am{eH o$~am
~ a
~
m
X `mC gn m
∞{
bgrd f
©Jm
±R
>n a`
mCgHo$nÌ
MmV,{O
g n
a this Policy. If the policy becomes a claim
anniversary on which the age nearer birthday of A{V[
a ∫ $ a m
{
e H $m ^ wJ Vm
Z.` { X C∫ $10 df©H $ s by the way of death or maturity before the
O
rd
Z ~r
{
_V H$s{Z
H$Q>V_ O›
_ {
XZAm
`w7 0 d
f©hm
o,
O m
o^ r the Life Assured is 70 years, whichever is earlier. Ad{Y H o$g _ mnZ g on hbo_
•À ` w`m n[a
n ä d Vm H o$ expiry of the said period of 10 years, the
n
hb
oh m
o,B
g {
hV b
m
^ Ho${
bE A{
V[
a∫
$‡ r{_
`_H$m^wJ
Vm
ZHowever, the premium under the base policy with ¤
m a
mh̀ nm∞{
b gr X m
dm ~ZVrh
°, V m
o{
d H$
bmßJ Vmb m^ disability benefit instalments which have
H
$
aZ
o H$sAm
d Ì H̀
$
V mZ h
thmoJ
r
.hm
bm
ß{
H$, _
ybnm
∞{
bg o$ which this rider is attached shall continue to be
rH {
H$ÒV |O m
o~ H $
m`m Z ht ~
Z V
rh ¢, H$
m ^wJ
VmZ XmdoH o$ not fallen due will be paid along with the
paid beyond age 70 years till the end of policy claim and (ii) waive the payment of future
A
ßV
J©V‡r{
_`
_ {
O g
H o$g m
W h̀{
hVbm
^g ßbæh
°,H
$m^wJ
Vm
Zterm, wherever applicable. gmW {
H $` m O mEJ m Ed ß(2)X˛K ©Q
>Zm bm^ ~
r
_ m
H •$V premiums chargeable, if any, under the
7
0df
©H
$s
Am`wHo$
~mXn
m
∞{
bgr
Ad{
YHo$
g_m
nZV
H
$
Oma
r a
m{eH $s gr _ mVH $ nm ∞{
bg r
(_ yb `m
oOZ m
H o$ AßVJ ©V policy (including the premium under base
The maximum aggregate limit of Accident benefit
a
h
oJ
m
,Oh
m
±^r
bmJyhm
o. cover shall be as under: ‡
r {
_` _ g{ hV ) H o$A ßV
J©V^ m [aV ^ mdr‡ r
{
_` _ m
|, plan) to the extent of Accident Benefit
Sum Assured. The premium for any other
X
˛K©Q
>Z
mb
m^
~r
_mg
wa
j
mH
$
sA{
YH
$V
_g
ß`
w∫
$
gr_
m{
ZÂ
Zm
Zwg
m
a (A) For LIC’s Jeevan Shiromani with minimum `
{ XH $m
oB©h mo,Ho$ ^wJ VmZH$
s_ m
\$s
. {H
$ g rA › ` Rider, if opted for, shall continue to be
h
moJr
: Basic Sum Assured of `100 lakhs {
hVb m^ Ho$ {bE ‡ r
{_ `
_ ,`
{ X Bg oMwZ
m J̀
m h m
o, paid.
The maximum aggregate limit of assurance
H
$m^ wJV mZ O m
ar ah oJm . The waiver of premium shall extinguish
(
E
)Í$
.
$
100b m
I H
$s
$›`yZ
V
_ _yb
~r
_m
H•$
Vam
{
e d
m
bo
under all policies including policies with in- all options under this policy and the
Eb
AmB
©g
r
Ho$
Or
dZ{
eam
o_U
r
Ho$
{
b E ‡
r{ _ `_ H$
sNy>Q>g oB g n
m
∞{
b grH o$AßVJ ©Vg ^r
built Accident Benefit taken with Life benefits covered by (b) of this clause
E
H $ hrO rd
Z na Ï`{
∫ $JV nm ∞{b{
g̀ m|H o$ g m
W h rg _ yh Insurance Corporation of India under {
dH $Î nEdßBg A Z w¿N >oX Ho$( ~r) ¤ma mA md [
aV except as to such assurances, if any, as
individual policies as well as group policies on bm ^ g_m·h mo O mE ±J
o, C
Z E
og o A m
Ìd mg Zm
| H$
mo exceeds the total accident benefit sum
n
m∞{b {g̀
m |,{
O gHo${b E A J
´m
ß[
H $
V b m
^ b mJ yhm
oßJ
o,H o$ AßV J ©V the same life to which following benefits apply assured under all the existing policies of
^m aV r
` O r
d Z ~r_ m{ ZJ_ H o$g m
W b rJ B
© A ßV {
Z ©{
h V N
>moãS>H $
a, `
{X H $
moB
©h mo, Omo~r _mY m
aH$ H $
sg ^r
shall not in any event exceed `200 lakhs of the life assured and which may have
X
˛K ©Q
>Zmb m
^ dmb rn m∞{
b{g̀ m
|g {
hV g ^ rn m∞[
b {g̀ m |H o$ Accident Benefit Sum Assured (including
_
m°O yXmnm
∞{
b{
g̀ m
|H o$ A ßV
J©V H w$
b X˛K©Q>Zmb m^ been kept in force by continued payment
A ßVJ©V~
r _mH$
s A {Y H
$ V_ g ß`w∫ $gr_m {H $
g r ^ r pÒ W{V _ | LIC’s Jeevan Shiromani). If there be more ~
r_ m H
•$
V am
{
e g oA {Y H$ h°A m°a O m
o‡ r{
_ `
_ H$
m of premiums.
X
˛K ©Q
>Zmb m^ ~
r_mH•$
V a m
{e ( Eb AmB
©gr H o$ Or d Z {e am
o_ {U policies than one and if the total Accident {
Z a ßV a ^
wJV
mZ H $a H
o$ B g ob m
J y{
H $`m Omg H $Vmh°. The disability above referred to must be
Benefit Sum Assured exceeds `200 lakhs
g{ hV )Í $.2 00 b mI goA [Y H$Z ht h m
oJr
. ` [
X EH $ g o disability which is the result of an
(including a minimum of 100 lakhs under C
n a
mo∫${dH$
b m
ßJ
VmH$
m
oEogr
{dH$b m ßJVmhm
oZrMm
{
h E ‘Accident’ and must be total and
A {YH $n
m∞{b{g̀mßh m
|Jr
A m
°a` {X H
w$
b X˛K©Q >Z mb m^ ~ r_mH •$
V LIC’s Jeevan Shiromani) the benefits shall Omo{
H $ '
X˛K
©Q
>Zm'H
$mn
[aUm_ h
°A m
°a dhg ßn
yU
©Am °a permanent. Accidental injuries which
a
m{ e Í
$. 20 0 b mI (
E bA m
B ©grHo$O r dZ {ea mo_ {
U H o$ apply to the first `200 lakhs Accident Benefit
Ò
W m
B ©hm
oZmM m
{
hE.E
ogr g^
r X˛K ©Q>Z m
Am
|g oÒ
dV ßà independently of all other causes and
A ßVJ©V›
` yZ
V _È . 1 0 0 b m
I g {
hV )g oA {
Y H$ h m
oJ
r, V m
o Sum Assured in order of date of policies within 180 days from the happening of
issued. h
moH$
a , A›` g^rH
$m
aU m
|goA mß{
e H $
Í$n goMm
oQ >
bm ^ Om
ar H
$sJB ©n m
∞{
b {
g̀ m|H $ s{V{
W H o$ H´$
_ _|‡ W_ È . such accident result in such disability due
bJ Z
o d m
brA m
°a180 {XZ m
| H o$^ r
V a E
og r to which life assured is unable to perform
20 0 bm
I X˛K
©Q
>Z mb m
^ ~r
_ m H
•$ V am
{
e n a b m
J yhm|J o.
{
d H$
b m
ßJ
V m
_ |n[
a{
UVhm
oVrh°,
{O g Ho$
H$
maU Or
dZ at least 4 (four) of the following Activities
~r_m
H •$
V Ï`
{
∫ $X
°{Z H$Í$
n g o{Z Â
Z {b p
IV H$m
`m]_| of Daily Living (defined below) {
ZJ
_ ¤
ma
m ‡m
{
YH •$
V{M{
H$
À
g r
` n a r
jH$
, gyM ZmH
o$ In the event of it being discovered at any
permanently without any external time that a claim under this clause has
g oH
$_ goH
$_ 4 (M m
a
) H
$m` ©Z h
t H$anm a
h m
/ah r help/support including the use of
~
mXX m
dm
H $
sJB©{H$
gr^r {
dH$
b mßJVm
Ho$gß~ßY_|
been wrongly admitted, all premiums
h°(Z r M on[
a
^ m
{f
V ) Ò
WmB
©Í $n go{~Zm_°H
o$
{Z
H $b mechanical equipment, special devices ~
r_
mH•$
VÏ`{∫
$H$ s
nw{
Ô
>H$
aoJ
mA m
°a ‡_m
{UV H $a
oJ
m.
falling due after the date of the
Cn H$
a U , {
deof C n H
$a
Um|` mA › ` ghmH̀$
m|Ho$ or other aids, then such disability shall be B
gHo$Abmdm
,`{X Am
dÒ̀H$hm
oV m
oH
o$
g H
o$A m
Ym
a Corporation’s intimation to that effect shall
Cǹ moJ g{h
V H$
moB©^ r~
mh
a r g h
mV̀m /
g _W©Z
, V m
o treated as Total and Permanent. Medical n
a{d H
$b
mßJ
VmH$ s
{Za
ßV
aVmH$m
od°Y H$
aZoH o${
bE be paid on due dates and further all
Examiner authorized by the Corporation
E
og rA j_VmH$moH w$
b Am°a Ò WmB©Í$n _|_mZ m shall examine the life assured to certify
{
M{
H$Àgm
O m
ßMH
$s OmgH$
V r
h°. premiums for which waiver was wrongly
O mE
J m{ ZJ
_ ¤
m am‡ m{
YH•$V {
M{H$
À gmn ar
jH $
, claimed and all instalments of additional
the disability as Total and Permanent.
A Ja{H $g r ^ r g_ ` h̀
nVm b J V m h°{ H
$ Bg IS
ß> sum assured which have been paid to the
{
d H$
b m
ßJ Ï`
{∫$H
$ m
oHw$bVW mÒ W m
B ©Í
$ ngo‡_m
{U V The Activities of Daily Living are: H
$
o A V
ßJ V
© X md mJbV Va
r
H$
o g oX m{I b {H$
` mJ̀m life assured shall be returned to the
H$aZoH o${
bEO r
d Z ~ r
_mH
$s O mßMH $
aoJ
m
. Corporation in one lump sum with interest,
• Dressing - the ability to put on and Wm, Vm
oE g
o r p
Ò W {
V _,
| {ZJ_ H$mog M
y Z m H
$s{
V {
W H$
o
take off all necessary garments, at such rate as fixed by the Corporation
X
°{
ZH
$O
rd
ZH
$
sJ
{V
{
d{
Ỳ
m±B
g
‡H
$
ma
h¢: ~mX ~H $m` m hmZ
o odm
b rg ^r‡r{_ ` _ m
|H $m
o X̀
o {V{
Ẁ m|
artificial limbs or other surgical from time to time, as if no disability had
na ^ wJ V mZ {H$`mO m
EJ mA m°a A m
Jo g ^r occurred, failing which
H
$
n
∑ãS
>on
h
ZZ
m-
g
^rA
m
dÒ̀
H
$
dÛm
|,
H•$
{
Ã_ appliances that are medically
necessary ‡r{
_ `_ {
|O Z H$
o { bE N >
yQ
>H$
mX md mJ b V VarH
$
o g o
A
ßJm
|`
mEog
oA›
`g{
O©H
$
bCnH
$a
U
m|H
$
m
on
hZ
Zo (i) the benefits available under the policy
{
H$`m J̀ m W m, Am
a
° A {V[
a∫$ ~r_ mH$
•V am {
e H$
sg ^r shall stand reduced as if the policy has
A
m°aC
VmaZ
oH
$s
j_V
m O
m
o{
H$
{M
{H
$
À
g H
$
s`Í
$
n • Washing - the ability to wash to
maintain an adequate level of {
H$ÒV,
| O moO rdZ ~ r
{ _
V H$moM H
w$mB ©J B©W r
, H
$m o been discontinued as on the date from
g
oA m
dÒ̀H
$h
¢.
cleanliness and personal hygiene g_ -̀
g _` n a{ZJ_ ¤m
am{Z Y m[
©aV X a na „
` m
O which premiums have been waived or
Y
m
∑oZ
m
- g
m
\$
-g\
$
m
B©A
m
°a
Ï
`{
∫$
JVÒ
d
¿
N>V
m
Ho$ g{hV E H $_ Ì
wV Í$n _|{ZJ_ H $mod mng H$
s Om
E J
r, on the payment of the first instalment of
• Feeding - the ability to transfer food
ǹ
m
©·
ÒVa
H$
m
o~Z
m
EaI
Z
oH
o${
bEY
m
oZ
oH
$
s Og
° o{
H$ H $m
B
o ©{d H$
b m
J
ßV m
ZhthB
˛ ©h ,
°E g
o m Z H$
aZona the additional sum assured, whichever
from a plate or bowl to the mouth once
is earlier and
j
_Vm
. food has been prepared and made
available (i) n
m ∞{
bgrH
o$AßVJ ©V
Cnb„Y b m^H
$
_ hm
|Jo (ii) the instalments of additional sum
^
m
∑oO
Z
H$
a
Zm-^
m
oO
ZV
°`
m
aH$
a
ZoA
m
°a
V°`
m
a • Toileting - the ability to use the
O°g o`{
Xnm
∞{
bg r C
g{
V{
W go~ ßX
H$
aXr JB© assured already paid shall be treated
h
m
oZ
oH
o$
~mX
EH$
fl
boQ>`
mH
$Q
>m
oa
ogo^
m
oO
ZH
$
m
o_
wßh lavatory or otherwise manage bowel h
m o, {
Og na ‡
r {_
`_H$sN y>Q>X
rJB© h m
o as a debt against the said policy and
g
oÒWm
Zm
ßV
[
aVH
$a
Z oH$
s
j_V m
. and bladder functions so as to `
m A{
V[
a∫
$ ~
r_ m
H•$V
am
{
e H$s
n hbr
{H
$Ò
V Ho$ shall be deducted with interest at such
maintain a satisfactory level of rate as fixed by the Corporation from
^
wJ Vm
Z n
a,Omo^ rn
hb
ohm
o,Am °a
e
m
∑°M
H
$
aZ
m-e
m
°M
H$
a
Zo`
m
A ›
Ẁ
m
_b-
_
yà personal hygiene time to time from the proceeds of the
{
d g
O©Z
H
$m
o ‡
~ß{Y
V H
$
aZ
o H$
sj_
V
m
, Vm
{
H$ (ii) n
h
bog
o^
wJ
V
m
ZH$
sJ
B©A
{
V[
a∫
$~
r
_ma
m
{e policy.
• Mobility - the ability to move indoors
gßV
m
of
OZ
H
$Ò V
a H$
sÏ
`{
∫ $
J
V Òd
¿
N>V
mH$
m
o from room to room on level surfaces at H
$
s{
H$ÒV
m|H
$m
on
m∞{
bgrH
$sAm
`gog
_-̀ No further instalment/s of additional
~
Z m
EaI
m
O mg
H o$
. the normal place of residence g
_`n a
{
Z J
_ ¤
mamV̀H
$s
JB©X
ana
„
`m
O Accident Benefit Sum Assured shall be
g
oH
$
Q>m
°V
r
H $
s
O m
EJr
. payable considering as if no disability
• Transferring - the ability to move from
J
{
V
∑er
bVmH
$a
Z
m-{
Zd
mgH
o$
gm_
m
›`Ò
W
m
Z a bed to an upright chair or wheel chair
had occurred.
n
aH
$
_a
oH
$s
gVh
m
|g
oH
$
_a
o_
|K
a
Ho$
AßX
a
Om
Zo and vice versa A
{V[a
∫$X
˛K©Q
>Z
mbm
^ ~r
_m
H•$
Vam
{
e H
$s
H$
moB
© (b). Death of the Life Assured: In addition to
H
$
s
j_V
m. Notwithstanding what is mentioned
A
m°a{
H$
ÒV Zht
Xo`
hmoJr
, h̀
_mZ
Voh
˛E
O°go Death Benefit under the base policy, an
above, Accidental injuries which H
$
m
oB©{
dH
$bm
ßJVm
Zht
h˛B©h
°. additional sum equal to the Accident
Ò
W
∑m
Zm
ßV
[
aVh
m
oZ
m
- E
H
${
~Ò
Va
goC
R
>H
$
agr
Yr Benefit Sum Assured shall be payable
independently of all other causes and
H
w$
gu`mÏ
h
rbMo à
n
aOm
ZoH
$
sj_
V
mA
m
°a within 180 days from the happening of (
~
r
).
~r
_m
H •$
V Ï`{∫$
H$s _•À
`
w:_yb n
m∞{
b g rH o$A
ßV
J ©V
_ •À
`w under this policy. However, the policy shall
B
gHo$
{
dna
r
V. such accident, result in the irrecoverable bm^ Ho$
A bmdm
,X
˛K©Q
>Zmbm
^ H
o$
g _ VwÎ̀ a
m{
eH o$~
a
m ~
a have to be in force at the time of accident
loss of the entire sight of both eyes or in EH$A {
V[
a ∫$a
m{
e B gnm
∞{ bgrH o$ AßV J
©VXo` h
moJr
. irrespective of whether or not it is in force
C ǹw©∫ $H o$ ~m
dOyX
, X ˛K©Q
>Z m H$
sM moQ
>|O moA › ` g ^ r the amputation of both hands at or above at the time of death.
the wrists or in the amputation of both feet
hm
bm
ß{H $
,X˛K
©Q
>Z
mHo$g _
` n
m ∞{b
gr b m
J yhm
oZrMm
{
h E
,
M m
ho
H
$ m
a U m|g oÒdVßÃÍ$ n g oh moVr
h¢A m °aEog r X ˛K©Q>Z m The Corporation shall not be liable to pay
at or above ankles, or in the amputation of dh_•À`wH
o$g_` h̀
b m
Jyh
m o`
mZ h
t.
H
o$ hm oZ og o1 8
0 {XZ m
|Ho$^ rV a
,X moZm |Am±I m|H $
s n ya
r the additional sum referred in (a) or (b)
one hand at or above the wrist and one
— {
Ô>H $sA nya
Ur`h m{
Z hmoV rh
°` m H $bmB ©H o$ D $n a foot at or above the ankle, shall also be {
ZJ_ C
n
am
o∫
$(E
) `
m (
~r
)_|C
Îbop
IVA {
V[
a∫
$ a
m
{
e above, if the disability or the death of the
` mC g g oD $n
a Xm
oZ m|hm W m|Ho$
{d
¿ N >oX Z _ |` m X moZm
| deemed to constitute such disability. H
$m^ wJ
V
m
Z H$
aZo H
o${
bEC Œ
m
aXm
`rZhthm
oJ
m
, `
{X Life Assured shall:
n°a
m|H o$ E
ßH $bn a`m C g g oD $
na H $ m {
d ¿ N >oX Z , ` m After the happening of the disability, full ~
r_m
H•$V
Ï
` {
∫$
H$
s {d
H$b
m
ßJ
Vm`m
_•À
`w{
ZÂ
Zm
ß{
H$
Vgoh
m
o: (i) be caused by intentional self injury,
H
$ b m
B ©H o$ D $
na Am °a D $n a E
H$ h m W H o$ A ßJyR>o_ | particulars thereof must be given in writing attempted suicide, insanity or
to the office of the Corporation where this (i) OmZ
~yP H
$a I
wX H $m
o M m
oQ>n h ˛±MmZm
, A m
À
_ hÀ` m, immorality or whilst the Life Assured is
A m
°aQ >IZ o`m
C gHo$ D $ na EH$n°a H $m
{d ¿N >oX Z ^ r
Policy is serviced together with the then n
mJbn Z `mA Z°{
V H $V m` mO ~ ~r
_ mH•$V Ï
` {∫ $ under the influence or consumption of
B
g V a h H $s{
dH$bmßJV m Ho$ Í$n_ |g _ Pm O m E Jm. address and whereabouts of the Life Zer
b r e
a m
~,_ m
XH $ ` m Z e r
b r X d m
Am
|H $
m g
od Z H $
a intoxicating liquor, narcotic or drug
{
d H$
b mßJVmH o$ hm
oZ
oHo$ ~
m X
, C gH $mn yam{ dda
U Assured and within 90 days of the a
I mhmo`
m CZHo$‡ ^ md _ |h mo(O ~ VH$ {
H$ B
b m
O Ho$ (unless prescribed by doctor as a part
happening of the disability, must be given of treatment); or
{
b pIV Í$
n _|{Z J_ H o$
C g H$
m
` m©b̀ H $mo{
X̀ m to the servicing Office of the Corporation, in E
H $
{hÒ goHo$Í
$ n _ |S >m
∞ä Q >a ¤mam {ZYm
©[a
V Z
h thmo);
OmZmM m
{h E
, O hm
± h̀ n m
∞{bg r
g o{d V h m
oV rh°, the manner required by it, proof of disability `m (ii) be caused by injuries resulting from
{
O gHo$ g
mW n V mEdß~
r_ m
H•$
V Ï`{∫
$ H $
m{R>H$ m
Zm^ r satisfactory to the Corporation and without taking any part in riots, civil commotion,
any expense to the Corporation. Medical
(ii) X
ßJm
,Z mJ
[a H$hßJm_m , {d – moh, `w’ (Mm
h o` w’ Kmo{
f V rebellion, war (whether war be
h
mo,{
O go{
d H $
b m
ßJVmh moZoH o$
9 0 { X Z
m|H o$ ^ r
Va Examiner authorized by the Corporation h
mo`
m Z hmo)
, Am H
´$_ U , {e H $ma, n d©V
ma
mohU ,K wgn°R>, declared or not), invasion, hunting,
{
Z J_ H o$
g od
mH$
V m©H$m
`m©b̀ H $
moCg V a
rHo$ g o{
X̀ m shall examine the Life Assured and certify {
H$g
r ‡ H
$m a H
$
s X m
°ãS>, n°am Ω
b m
BqS >J`m n°a m
eyqQ
>J _ | mountaineering, steeple chasing,
OmZmM m
{
hE , O°gmB goA m
d Ì H̀$h mo, {
O g H o$gm
W in respect of any disability claimed after the ^mJb oZ
og oh
m oZ
od mb rM m
oQ>m
|Ho$ H
$m
aU , gmh{g H$ racing of any kind, paragliding or
{
d H$
b m
ßJ Vm H$m {
Z J
_ H o$ {
b E gßV
mof ‡X g m˙ `h m
o intimation. Further, medical examination parachuting, taking part in
may be done to validate the continuity of Iob_|;`m adventurous sports; or
A m
°a
{Z J
_ H
o${ b E{~Z m { H
$ grI M ©H
o$ g m W hmo. disability on case to case basis, if required.
 (iii) ~
r
_m
H•$
VÏ`
{
∫$g
oA
m
na
m{
YH
$B
am
XoH
o$g
mWH
$
m
oB
© (iii)result from the Life Assured committing X
˛K
©Q
>Z
m
deX
m
doH
o$
{bE
g
m_
m
›
`Am
dÌH̀
$
Vm
E±: Where single premium / annualized rider
A m
nam {Y H$ H •$ À
` H $
a Z oH o$ n[
a U m_ Ò d Í $n h m
o;` m any criminal act with criminal intent; or premium mentioned above excludes taxes.
X
˛K
©Q
>Z
md
e _
•À
`
wbm
^A m
°a{
dH$
bm
ßJVm X
m
dona
{d
Mm
aH$
a
ZoH
o$
(iv) (
E ) g e Û ~ bm
|` m g °›
` god m _ |~ r _ m H •$
V Ï
` {∫ $ H
o$ (iv)(a) arise from employment of the Life Normal requirements for accidental claim:
Assured in the armed forces or military
{
bE,{OZn
[a
p
ÒW{
V̀m
ßo _|_
•À
`wh˛B
©h°,
CgH$
mn
VmbJ
m
ZoH
o$
a
m
oO Jma g oC À
nfi h mo.h̀ A n d O ©Z V ~ b mJyZ ht {
bE [
ZÂ
Z{
bp
IVgyM
rg obm
Jy{
dd
a Um
|H$
s_m
±J
H$
sO
mgH
$V
rh° For considering accidental death benefit and
service. This exclusion is not
h
m oVmh °O ~ ~ r
_m
H •$
V Ï ` {∫ $
{ H $g r X ˛K©Q >Zm _|e m {_ b disability claim, the applicable statements from
applicable if the Life Assured was {
Og_|:
-
a
h mhm o,O ~ d hS >Á yQ>r na Z
h t a h m h mo` m h
_ m
aoX oe _| the following list may be called to ascertain
involved in an accident when he is not
1
)
‡W
_g
yM
Z
m
[a
nm
oQ
>©(
E
\$
Am
B©A
m
a
)H$
s
‡_m
{
UV‡
{
V. circumstances under which death / disability took
‡
m H
•$
{V H$A m n X
mA m
|H $ m g m_
Z mH $ aV oh ˛E {
H $
g r ~ M m
d on duty or was involved in any rescue
place:-
H
$ m`©_ |em {_ b hmo; ` m operations while combating natural
calamities in our country; or
2
)
nw{
bgA
›
d
of
U
[a
n
moQ
>©H
$
s
‡_m
{
UV‡
{
V. 1) A certified copy of first information report
(iv) (
~ r
) A Y ©g °{
Z H$ ~ b m |H o$ A b m
d m{ H $g r^ rn w{b g (FIR).
(iv) (b) arise from being engaged in police 3
)
nßM
Z
m
_oH
$
s
‡{V
gßJR>Z _|n w{b g S >Á yQ >r ( Omo{ H $ ‡ e mg {Z
H $ H$m ` ©_|
duty (which excludes administrative 2) A certified copy of police inquest report.
e
m {
_b Z hth °) _ | b J o h moZo g o C À nfi h m
o.h̀ assignments) in any police 4
)
_ •À`wH $
mgß^m {
dV H$
m
a UO m
ZZoH
o$ {
bEnm
oÒ
Q
>_
mQ
>©_
A n
d O ©ZV ~ bm
J yZ h t h moV
m h°, O ~ n w{
b g S>ÁyQ >r_| [
a nm
oQ>©.`{
X n
moÒ
Q>-_
mQ
>©__ßo {
dgamg ßa
{
j V
{H$
`m
J̀ m 3) Copy of panchanama.
organization other than paramilitary
b Joh ˛E X ˛K©Q >Z
m_ |h moZ od m
b r _ •À` wA m
°a {
d H$b mßJV m forces. This exclusion is not applicable h°, Vm ogm
_J´r
O m
ZZoH
o$
{ bE
, A
Wm©V
,ä `m O
r
dZ~r
[_V 4) Post mortem report to know the probable
b m^ H $m
oH $
d a H$
a Z oH $ m { d H
$
Î n M wZ m J̀ mh°;` m where the option to cover Accidental Z oea m~
,Ze rbrX dm
A m
|,
Z e
rbon
X m W
m]`
mOhaH $
m cause of death. If viscera is preserved in
Death and Disability Benefit arising on post mortem, then chemical analyzer
(v) ~r _m
H•$ V Ï ` {
∫ $H o$ g mW K
Q >rX ˛K©Q >Z mH $
s{ V {W go g od
Z Vm
oZ
ht {
H $
` m
Wm.
accident while engaged in police duty, report to know the contents i.e. whether
1
8 0 {
X Z m|H o$~m
X h mo. has been chosen; or 5
)
g_
m
Mm
anÃ
H
$
sH
$
Va
ZO
h
m±X
K
˛ Q
©>
ZmH
$
sg
M
y Z
m
XrJ
B©h
.
° life assured has consumed liquor, drugs,
narcotics or poison.
(v) occur after 180 days from the date of
accident of the Life Assured.
6
)
`{
X_ •À
`wd
m
hZX
˛K
©Q
>Z
mH
o$
H$
ma
Uhm
oV
rh°,
Vm
oS
¥>m
Bq
dJ 5) News paper cuttings where accident is
_ yb n m ∞{b g rH o$ A ‰ ǹ ©U n a X o` b m^ : bm
Bg|g H$
s‡
{V
{
b {
n,`
[XOr
dZ~r
[
_V dm
hZ Mbm reported.
Benefit payable on Surrender of Base
ah
mWm .
B
g {h V b m ^ H $m H $m oB ©‡ XŒ m_ yÎ̀ Z h th m oJ m A m
°a B g {h V b m ^ policy: 6) If death is due to vehicle accident, then
7
)
_•À
`
wH
o$
~m
ao_
|Cn
- gß^
m
Jr
`_{
OÒQ
¥>oQ
>H
$
mAß{
V_{
ZU©` copy of driving licence, if life assured was
Ho$ A ßV J©V H $
m oB©A ‰̀ n ©U _yÎ̀ Cn b „
Y Z h t h m oJ
m . h m b mß{
H $
, This rider shall not acquire any Paid-up Value
driving the vehicle.
A Ja B g { h V b m^ H $ m M̀ Z _ yb n m∞{bg r H o$ { b E { H$` m J̀ m and no Surrender Value will be available under - h̀_
•À
`wH
$m
o"
‡mH
•$
{V
H$
/Am
À
_hÀ
` m
/Am
H$
pÒ_
H$
'H $
m
h m oA m
°a Bg H
o$ A ‰̀ n ©U n a h mo, {O gH o$ g mW h̀ {h V b m ^ this rider. dJu
H$
aU‡Xm
Z H
$
aoJ
m. 7) Sub-divisional magistrate final verdict
about death- this will give classification of
g ßb æ h °, V m o,~ e V }B g {
h V b m^ E d ß_
yb n m∞{b g rH o$g ß~ ßY _ | However, if this rider has been opted for and
8
)
O ~n w{
b g A {Y
H$ m[
a` m
|H $m
oX
˛K©Q
>Zmgy{
MVZ
htH $
sOm
Vr death as ‘natural/suicide/accidental’
g ^ r X o` ‡ r { _ ` _ m |H $ m ^ wJ
V m Z {H $` m J̀ m h moA m °a _yb n m ∞{
b g r on surrender of the base policy to which this
rider is attached, provided all the due h °,O°g oH w$
Œ
mo`mg m
±n H o$H$
m
Q>Z oH$
sdOhgo_•À
`w,
Vm
o 8) When accident is not reported to police
Z oA ‰̀ n©U _yÎ̀ ‡ m · H $
a { b̀ m h m
o, ‡r { _ ` _ ^ wJV m Z A d{ Y d °H
$
pÎ n
H $‡ _ m
U O °go {H$‡ À j̀
XeuH
$m$~ `m
Z,
premiums in respect of this rider and the base authorities, like death due to dog or snake
H
o$ ~ m X ~ r _ m
- g wa j m H o$ g ß~ ßY _|^ m[
a V A {
V [
a ∫$ {h V b m ^ policy have been paid and the base policy has J´m _
g odH $ `
m gaH $m
ar A {
Y H
$m
[a` m
|H
$
m h
b\$
Zm
_m,h _
m
ar bite, then alternate proofs such as
‡ r {_` _ H$ m
o{ Z Â Z mZ wg ma d m
n g { H $
` m O m
E J m
: acquired surrender value, additional rider A n
Zr O m±M[a n
m
oQ
>©,XoI Z odm
b o{
M {H
$
À gH
$`
mA Òn V
m
b statement of eye witness, affidavit of
{
Z̀ {_ V ‡ r { _ ` _ n m ∞{b g r
: H$ m oB ©Y Z a m{e d m
n g Z h t h moJ r . premium charged in respect of cover after gramsevak or govt. officials, our own
H$ s
[a
n m
oQ>©ǹm©·
hm oJ
r.
premium paying term shall be refunded as enquiry report, attending physician or
E
H $b ‡ r{_ ` _ n m∞{ b g r : {
h V b m^ E H $b ‡ r {_ ` _ H $ m 9 0 % * follows: 9
)
AÒ
nV
m
bH$
m
CnM
m
a[
aH
$m
∞S
©>,
Am
{
X hospital reports may be sufficient.
(
n yU ©d f m]_ |B g { h V b m
^ H o$ {b E ~ H $
m` mA d{Y / B gRegular premium policy: Nothing shall be 9) Hospital treatment records, etc.
{
h V b m^ H o$ g ß~ ßY _ |n m∞{ b g r A d {Y ) refunded.
g r {_ V ‡ r{ _ `_ ^ wJ V mZ nm∞{
b g r: Single premium policy: 90% of rider single
‡ r {_` _ ^ wJ V mZ A d {Y H o$X m
°a
m Z :8 0 % * ( d m {f ©H $
s H •$
V premium * (outstanding term for this rider in
complete years/ Policy term in respect of this
{
h V b m^ ‡ r {_ ` _ ‡ {V È . 1 0 00 X ˛K ©Q
>Z mb m
^ ~ r _ m H •$
V rider)
a
m { e - 1 ) *( X ˛K ©Q >Z m b m
^ ~ r_ mH•$V a m { e / 1 0 00 ) *( C Z
Limited premium paying policy:
d f m
]H $s g ߪ̀ m {O Z H o$ { b E B g {
hV b m
^ Ho$ g ß~ßY _ |‡ r {_ ` _
H
$ m ^ wJV m
Z { H$ ` m J̀ m h °) During Premium Paying Term: 80% *
(annualised rider premium per `1000 Accident
‡ r {_` _ ^ wJ V mZ A d { Y H o$~ mX :8 0 % * ( d m {f ©H $
s H•$V Benefit Sum Assured - 1) * (Accident Benefit
{
h V b m^ ‡ r {_ ` _ ‡ {V È . 1 0 00 X˛K ©Q>Z mb m
^ ~ r _ m H•$V Sum Assured/1000) * (Number of years for
a
m { e - 1 ) * ( X ˛K ©Q>Z mb m ^ ~ r_ m
H •$ V a m{ e / 1 0 0 0 ) * which premiums in respect of this rider have
been paid)
(
{ h V b m^ H o$ { b E ‡ r{_ `_ ^ wJ V m
Z Ad { Y ) *( g ßn yU ©d f m
]_ |
{
h V b m^ H o$ {
b E ~ H $m` m A d { Y / ( B g { hV b m^ H o$ g ß~ ßY _| After Premium Paying Term: 80% * (annualised
n m ∞{b g r A d {Y - { h V b m^ H o$ { b E ‡ r{
_ ` _ ^ wJ V m
Z A d {Y ) rider premium per `1000 Accident Benefit Sum
Assured – 1) * (Accident Benefit Sum Assured/
O h m±C n a mo∫ $ E H $b ‡ r{ _ `_ / d m
{f ©H $
s
H •$V { h V b m^ ‡ r {_ ` _ 1000) * (Premium paying term for the rider) *
_ |H $a e m{_ b Z h t h ¢. (outstanding term for the rider in complete years
/ (Policy term in respect of this rider – Premium
paying term for the rider))