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Healthy Living

NRI Accident Policy

Salient Features

Policy covers Non-Resident Indians in the age range of 5 and 70 years.

Scope of Cover

There would be three schemes based on Capital Sum Insured for the Insured to choose one 10% Discount on premium is allowed if the family of the NRI is insured under the policy.

Capial Sum Insured

Scheme A Rs. 3,00,000/-
Scheme B Rs. 5,00,000/-
Scheme C Rs. 10,00,000/-

The detailed coverage under both the schemes would be as follows.

Table Benefits

  Compensation payable (Rs.)
  Scheme A Scheme B Scheme C
1. Death due to Accident 3,00,000 5,00,000 10,00,000
2. Permanent Total Disablement due to accident 3,00,000 5,00,000 10,00,000
3. Loss of 2 limbs or 2 eyes or 1 limb and 1 eye due to accident 1,50,000 2,50,000 5,00,000
4. Loss of 1 limb or 1 eye due to accident 1,50,000 2,50,000 5,00,000
5. Actual expenses incurred following death (Occurring in foreign country and due to accident or sickness only) including carriage of dead body to India subject to a maximum of 50,000 50,000 50,000
6. Actual Cost of Air Tickets (For the insured person and to and fro Air tickets for one person to accompany him in case an Insured person is brought to India ALIVE (for treatment or otherwise following an accident injury abroad and if a valid claim is admitted by the company under item 1 to 4 of the table of benefits of the policy. 50,000 50,000 50,000
7. Education Fund (in case of one or more dependent children) to follow the basic claim i.e., claim under either 1 to 4 above 5,000 maximum 5,000 maximum 5,000 maximum
8. Medical Expenses: (Following upon Accident and incurred in India) provided claim is entertained under either of 1 to 4 above. 5,000 (during the entire policy period) 5,000 (during the entire policy period) 5,000 (during the entire policy period)

The optional provision of covering Insured spouse and children has now been incorporated in the Policy

With the following guidelines:-

  1. If both the proposer and the spouse are employed abroad, both can choose the same scheme ie. Either of scheme A, B, or C.

  2. If only the proposer is employed abroad, the CSI for the unemployed spouse has to be choosen at

Least one scheme lower and for children, the lowest scheme ie. Scheme A for a CSI of Rs.3,00,000/- should be choosen.

In case of family coverage, a family discount of 10% will be allowed.

Period / Term

5 years.


  1. If the NRI is already covered by any such policy, please provide the policy details . In such cases only the spouse and children can be covered.

  2. The first applicant / Insured should be an NRI

  3. Additional applicants should be either spouse or children of NRI , (they can be residents)

  4. Children will be eligible for Scheme A only.


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