Personal/Group Accident Insurance

Personal Accident Full With Exclusions

Again AIC discovered that another insurance is incomplete. This time it is the Accident Insurance is known as Personal Accident, Keyman Policy & Group Accident, etc., that caught our attention. Those contacts are very risky and always ask for trouble when it comes to claims because of the very simple yet vital reason-EXCLUSIONS!

Like all other policies (Fire, CGL, etc.,) are basic contracts (for coverage) without the necessary clauses with extended coverage. Standard important exclusions are mostly as follows:

  • Motorbike
  • Mountaineering
  • Scooter driving
  • Scuba diving
  • Polo playing
  • Ice hockey
  • Football
  • Yachting