The disability due to accident should be total and such that person is unable to carry out any work to earn the living. Following disabilities due to accident are covered
a) Irrevocable loss of entire sight of the both eyes or
b) amputation of both hand at or above the wrists or
c) amputation of both feet at or above ankles or
d) amputation of one hand at or above the wrist and one foot at or above the ankle.

No benefit will be paid in case of accidental death or disability due to accident in case of
a) Intentional self-injury, attempted suicide, insanity, or immorality or the life assured is under the influence of intoxicating liquor, drugs or narcotics
b) Engagement in aviation or aeronautics other than that of a passenger in any aircraft
c) Injuries resulting from riots, civil commotion, rebellion, war, invasion, hunting, mountaineering, steeple chasing or racing of any kind
d) Accident resulted from committing any breach of law
e) Accident arising from employment in armed forces or military services or police organisation.

Age Proof:
Only standard age proof will be accepted under this plan.

Exclusion:
Suicide: This policy shall be void if the Life Assured commits suicide at anytime on or after the date on which the risk on the policy has commenced but before the expiry of one year from the date of the policy. In case of death due to suicide during this period, the Corporation will not entertain any claim by virtue of this policy except to the extent of a third party’s bonafide beneficial interest acquired in the policy for valuable consideration of which notice has been given in writing to the office to which premiums under this policy were paid, at least one calendar month prior to death.