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Shramjibi Personal Accidental Insurance

This policy will cover accident including the accident that may occur during the daily life and various independent job profiles as below. The only motive is to help out on over the financial burden to the insured party and family in case of any accident.

This policy will cover accident including the accident that may occur during the daily life and various independent job profiles as below. The only motive is to help out on over the financial burden to the insured party and family in case of any accident.

  • Electrician
  • Painter
  • Plumber
  • House maids
  • Construction 
  • Mechanical 
  • Contractors
  • Tailors
  • Etc.

Total sum insured NPR 3,65,000/- 
Accidental Medical Benefits Up to Rs. 15000/- per accident.
Premium per person: NPR 365 per annum (Stamp charge extra Rs.20/-)

Benefit and Coverage

Death – 100% of Sum Insured Amount

Permanent Total Disablement – 100% of Sum Insured Amount

  • Loss of sight of both eyes / loss of both hand or both foot / loss of one hand or one leg and sight of one eye.

Permanent Partial Disablement

  • 50% of Sum Insured Amount – for Loss of sight of one eye / loss of one hand or one leg / loss of vocals / loss of hearing capacity of both ears
  • 20% of Sum Insured Amount – for Loss of hearing capacity of one ear / loss of thumb in hand
  •  15% of Sum Insured Amount – for Loss of index finger in hand
  • 7% of Sum Insured Amount – for Loss of any other finger in hand
  • 5% of Sum Insured Amount – for Loss of thumb in foot
  • 4% of Sum Insured Amount for Loss of any other finger in foot
  • As prescribed by Specialist   –  Loss of other parts

Scope of Coverage

  • Age Limit Up to 60 years of age
  • Geographical coverage: Worldwide

Exclusion

  • Self-injury, Suicide or attempt to suicide
  • Alcoholism & intoxication of drug
  • Hazardous Sports
  • Willful exposure to danger
  • Breach of Law
  • Other exclusions will be as described in the policy wording

Connect with us and apply for Insurance online

Contact us for further assistance: 9801911061

Email: [email protected]

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