ICA Orange Personal Accident Policy Natural Death Extension Single BRONZE
This insurance policy provides financial protection to the insured in the event of an accident resulting in disability or accidental death.
Risks Covered
Accidental Death
The insurer will pay the full sum insured to the named beneficiary(ies) if the insured dies as a result of an accident.
Accidental Medical & Surgical Coverage
Permanent Total Disablement
If the insured suffers a permanent disability from an accident that persists for at least one month, compensation of up to the full sum insured will be paid, based on the benefit schedule below.
Temporary Total Disablement
If the insured suffers a temporary partial disability due to an accident, a percentage of the sum insured will be paid based on the affected body part, as outlined in the schedule below.
Natural Death
If the insured passes away due to natural causes (such as illness or old age) and not from accident or violence, the insurer will provide a benefit to the beneficiary(ies).
Benefits
Premium: Refer to attached schedule
Capital Sum Insured: Refer to attached schedule
Accidental Medical Expense: Refer to attached schedule
Natural Death Benefit: Refer to attached schedule
See Premium and Benefit Schedule for full details.
Schedule of Compensation
| Event | Benefit (%) |
|---|---|
| Death | 100% |
| Permanent total loss of sight in both eyes | 100% |
| Permanent total loss of sight in one eye | 100% |
| Loss of two limbs | 100% |
| Loss of one limb | 100% |
| Loss of one eye and one limb | 100% |
| Permanent total disablement (including paralysis) | 100% |
| Loss of four fingers and thumb of one hand | 50% |
| Loss of four fingers | 40% |
| Loss of thumb – both phalanges | 25% |
| One phalanx of thumb | 10% |
| Loss of index finger – three phalanges | 10% |
| Two phalanges of index finger | 8% |
| One phalanx of index finger | 4% |
| Loss of middle finger – three phalanges | 6% |
| Two phalanges of middle finger | 4% |
| One phalanx of middle finger | 2% |
| Loss of ring finger – three phalanges | 5% |
| Two phalanges of ring finger | 4% |
| One phalanx of ring finger | 2% |
| Loss of little finger – three phalanges | 4% |
| Two phalanges of little finger | 3% |
| One phalanx of little finger | 2% |
| Loss of all toes | 15% |
| Great toe – both phalanges | 5% |
| Great toe – one phalanx | 2% |
| Other toes – if more than one lost, each | 1% |
| Loss of sight – except perception of light | 30% |
| Loss of lens of one eye | 50% |
| Loss of hearing in both ears | 75% |
| Loss of hearing in one ear | 15% |
Note: "Loss" includes total loss of use of the body part.
Exclusions
The policy does not cover losses or injuries resulting from the following:
War, invasion, foreign enemy actions, civil war, rebellion, revolution, insurrection, or military power.
Participation in military or air force operations, extreme sports (e.g., mountaineering, potholing, parachuting), motorcycle racing (except mopeds), or unauthorized air travel.
Suicide, attempted suicide, or self-inflicted injuries, including mental insanity.
Deliberate exposure to danger (unless in an effort to save a life), or criminal acts by the insured.
Being under the influence of drugs or alcohol.
Medical and surgical treatment for sicknesses such as venereal diseases or malaria.
Any other exclusions as may be stated in the full policy document.
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