Permanent total disability benefits providing 100% of sum insured for complete disability. Permanent partial disability benefits with graded payouts from 1% to 75% of sum insured based on severity. Temporary total disability benefits offering 1% of sum insured per week up to 100 weeks. Education fund for children in case of accidental death of parent. Loan protection benefit clearing outstanding loans in case of accidental death. Rehabilitation benefit for vocational training and skill development after disability.

Specific disability benefits for loss of limbs, eyesight, hearing, and other body parts. Fracture benefit providing lump sum amount for specific bone fractures. Burns benefit with graded payouts based on percentage of body surface area affected. Coma benefit providing monthly income during coma period. Hospital confinement benefit for extended hospitalization due to accidents. Modification benefit for home and vehicle adaptations after disability.

Medical expenses coverage for hospitalization, surgeries, and treatments following accidents. Coverage for diagnostic tests, X-rays, MRI, CT scans, and other medical investigations. Surgical expenses coverage including operation theater charges and surgeon fees. Coverage for medicines, drugs, and medical consumables during treatment. Ambulance charges coverage for emergency transportation to hospitals. Coverage for follow-up treatments, physiotherapy, and rehabilitation expenses.

Coverage for prosthetic devices, orthopedic implants, and mobility aids. Dental treatment coverage for accidental injuries to teeth and jaw. Coverage for alternative treatments like physiotherapy and occupational therapy. Transportation expenses for family members to visit during hospitalization. Coverage for second medical opinion from specialists. Emergency medical evacuation coverage from remote locations to appropriate medical facilities.

Education grant for children's education in case of accidental death of earning parent. Transportation of mortal remains coverage for repatriation to hometown. Funeral expenses coverage to assist with final rites and ceremonies. Child support benefit providing monthly income for minor children. Spouse support benefit offering financial assistance to surviving spouse. Loan protection benefit clearing outstanding personal and home loans.

Daily hospital cash allowance during hospitalization period. Home modification benefit for wheelchair accessibility and other adaptations. Vehicle modification benefit for hand controls and special equipment. Job retraining benefit for vocational training after disability. Legal expenses coverage for accident-related litigation. Counseling services for psychological support after traumatic accidents.

Simplified claim process with minimal documentation requirements. 24/7 claim registration through toll-free number and online portal. Quick claim settlement with most claims processed within 7-10 working days. Digital claim submission with document upload facility through mobile app. Dedicated claim assistance team for guidance throughout the process. Transparent claim status tracking with regular updates via SMS and email.

Emergency claim assistance with immediate response for critical cases. Home visit for claim documentation collection for severely disabled claimants. Medical examination coordination for disability assessment. Legal assistance for accident-related documentation and certification. Rehabilitation support services for claimants with permanent disabilities. Grievance redressal mechanism with defined timelines for resolution.

24/7 customer support through toll-free numbers, email, and chat support. Dedicated relationship managers for high-value policy holders. Multi-lingual support and special assistance for disabled claimants. Emergency assistance services including ambulance coordination and hospital admission. Policy renewal reminders and premium payment assistance. Safety advisory services and accident prevention guidelines.

Digital policy management through mobile app and customer portal. Instant policy document download and certificate issuance. Proactive safety alerts and accident prevention tips. Emergency medical assistance during travel. Safety education resources and accident prevention guides. Personalized risk assessment based on occupation and lifestyle.