No matter how careful we are, there's no predicting when one will end up with a broken bone. You don't necessarily have to be a sportsperson to have bone injuries, common people trip & fall all the time & sometimes end up with fractures too. Fracture cover is a pocket-size insurance that provides a lump sum benefit depending on the body part fractured and nature of fracture. This fracture treatment insurance also provides for income loss in case of permanent partial disablement besides providing a fracture cover.
The insured gets a Sum Insured of Rs. 50,000 in case of Permanent Partial Disability due to an accident and an additional amount of Rs. 50,000 in case of a fracture.
The insured gets a Sum Insured of Rs. 50,000 in case of Permanent Partial Disability due to an accident, an additional amount of Rs. 50,000 in case of a fracture and income replacement (in case of income loss due to disability) of Rs. 1000/week.
Filing claims was never so simple. Just follow these steps and you’re done!
If you meet with any Accidental Bodily Injury that may result in a claim, then as a condition precedent to our liability:
a. You or someone claiming on your behalf must inform us in writing immediately and in any event within 30 days from the date of the accident and submit all documents to us within 30 days from the date of intimation.
b. You must immediately consult a Doctor and follow the advice and treatment that he recommends.
c. You must take reasonable steps to lessen the consequence of Bodily injury.
d. You should allow examination by our medical advisors if we ask for this.
e. You or someone claiming on your behalf must promptly give us documentation and other information we ask for to investigate the claim or our obligation to make payment for it.
f. In case of your death, someone claiming on your behalf must inform us in writing immediately and send us a copy of the post mortem report (if conducted) within 30 days.
*Note: Waiver of conditions (a) and (f) may be considered in extreme cases of hardship where it is proved to Our satisfaction that under the circumstances in which the Insured Person was placed, it was not possible for the Insured Person or any other person claiming on his/her behalf to give notice or file claim within the prescribed time limit.
Period in Risk |
Premium Refund |
||
Policy Period 1 Year |
Policy Period 2 Year |
Policy Period 3 Year |
|
Within 15 Days |
Pro-Rate Refund |
||
Exceeding 15 days but less than 2 months |
75.00% |
80.00% |
85.00% |
Exceeding 2 months but less than 4 months |
60.00% |
75.00% |
80.00% |
Exceeding 4 months but less than 6 months |
45.00% |
65.00% |
75.00% |
Exceeding 6 months but less than 8 months |
30.00% |
60.00% |
70.00% |
Exceeding 8 months but less than 10 months |
15.00% |
50.00% |
65.00% |
Exceeding 10 months but less than 12 months |
0.00% |
45.00% |
60.00% |
Exceeding 12 months but less than 14 months |
|
35.00% |
55.00% |
Exceeding 14 months but less than 16 months |
|
30.00% |
50.00% |
Exceeding 16 months but less than 18 months |
|
20.00% |
45.00% |
Exceeding 18 months but less than 20 months |
|
15.00% |
40.00% |
Exceeding 20 months but less than 22 months |
|
5.00% |
35.00% |
Exceeding 22 months but less than 24 months |
|
0.00% |
30.00% |
Exceeding 24 months but less than 26 months |
|
|
25.00% |
Exceeding 26 months but less than 28 months |
|
|
20.00% |
Exceeding 28 months but less than 30 months |
|
|
15.00% |
Exceeding 30 months but less than 32 months |
|
|
10.00% |
Exceeding 32 months but less than 34 months |
|
|
5.00% |
Exceeding 34 months but less than 36 months |
|
|
0.00% |
However, if any claim has been made then no refund will be given for cancellation of policy.
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Need further assistance? Reach out on the Toll-Free Number: 1800-209-5858 to connect with an insurance expert.
This policy covers you in case of any kind of accidental bodily injury resulting in any kind of fracture (hand, leg, etc.) and provides you a lumpsum benefit depending upon the type of fracture and the body part fractured (with benefits ranging from 2% to 100% of sum insured i.e. Rs. 50000). The fracture treatment cover also provides for your income loss to the extent of Rs. 1000/week in case of permanent partial disablement.
This insurance covers bone fractures (hand fracture, leg fracture etc.) resulting from a cycling or any other accident and provides Sum Insured of up to Rs. 50,000 depending upon nature of the fracture. This cover also provides for income loss of up to Rs. 1000 a week and lets you choose between two coverage variants.
No, all possible kind of fractures are included in the ‘list of fractures’ mentioned in the policy document and hence anything apart from the list will not be covered.
If due to an accidental injury the insured is not able to perform his duties pertaining to his employment or occupation, then a weekly benefit of Rs. 1000 is paid to the insured, under this fracture treatment insurance.
Yes, there is an entry age limit. The insured’s entry age should be between 18 years to 70 years.