Coverage
Accidental Death - Covers the Insured in case of loss of life in an accident up to 100 % of the Sum Insured. If during the Period of Insurance an Insured Person sustains Bodily Injury which directly and independently of all other causes results in Death within twelve (12) months of the Date of Loss, then the Company agrees to pay to the Insured Person's Beneficiary or legal representative Rs. 5 lacs under the policy.
Specific Extensions
Disappearance - In the event of the disappearance of the Insured Person, following a forced landing, stranding, sinking or wrecking of a conveyance in which such Insured Person was known to have been travelling as an occupant, it shall be deemed after twelve (12) months, subject to all other terms and conditions of this Policy, that such Insured Person shall have died as the result of an Accident. If at any time, after the payment of the Accidental death benefit, it is discovered that the Insured Person is still alive; all payments shall be reimbursed in full to the Company.
Exposure - Death as a direct result of exposure to the elements shall be deemed to be Bodily Injury.