This section of householders' insurance protects you and your family members against accidents and violence, leading to bodily injury, disablement (permanent or temporary), or death. Some companies also provide reimbursement for transporting the dead body to the residence as well as compensation towards educational expenses for a maximum of two dependent children. Medical expenses are also included when settling a valid claim.

To cover the risk of total disability due to sickness or injury, you can purchase additional cover to pay equated monthly installments (EMIs) for outstanding loans against the various assets in your house, up to a maximum period of 12 months.

Exclusions

• Suicide, mental dysfunction, alcoholism strokes, epileptic fits, intentional unlawful/criminal acts, hazardous sports, or aviation (other than as a passenger)

• Pregnancy, miscarriage, abortion

• Complications arising out of venereal disease, or HIV/AIDS related illness

See also:

Fire and Its Associated Perils

Burglary, Housebreaking & Other Perils

All Risks (Jewelry and Valuables)

Plate Glass

Breakdown of Domestic Appliances

Breakdown of Electronic Equipment

Pedal Cycle

Baggage

Public Liability Risk and Workmen's Compensation Risk

Increased Living Expenses

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