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Personal Accident Coverage

The shopkeepers' policy provides cover against accidental bodily injury leading to disablement, permanent or temporary, or death. Read to know more.

Apnainsurance Research Bureau

23 Jan 2008

This section in a shopkeepers' insurance policy provides you cover against accidental bodily injury leading to disablement, permanent or temporary, or death. Some companies provide other benefits at no additional cost that include cover against damage to clothing, dead body carriage cost, ambulance charges, loss of employment benefits, education fund for children and rehabilitation cost for insured person to adjust to injuries, and modification cost of house or vehicle following such injuries.


Exclusions

  • Medical expenses
  • Suicide, mental dysfunction, alcoholism strokes, epileptic fits, intentional unlawful or criminal act, hazardous sports, or aviation other than as a passenger
  • Pregnancy, miscarriage, abortion, or complications arising out of any venereal disease or HIV/AIDS related illnesses
  • Service or duty with an armed force
  • Medicinal or surgical treatment, except where such treatment is tendered necessary within the scope of policy
  • Nuclear radiation of nuclear materials


See also:

Money Insurance
Electronic Equipment / Reinstatement of Data and Software
Television, Video Equipment, Portable Computer, Mobile Phone
Electrical or Mechanical Appliances Breakdown
Business Interruption and Increased Cost of Working / Loss of Profit
Neon or Glow Signs
Plate Glass Coverage
Pedal Cycle Coverage
Baggage Coverage
Fidelity Guarantee
Public Liability Risk and Workmen's Compensation Policy
Fire and Allied Perils
Burglary and Housebreaking



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