These policies indemnify
the insured person(s) for death, permanent disability, temporary total
disablement or medical expenses where insured, following an accident causing
bodily injury solely by violent accidental and visible means.
The personal accident policy is personalistic or individualistic in nature, whereas the group personal accident is generalistic or within the group.
The personal accident policy is always taken out by a single individual while the group is issued to at least two persons; members of a social club, members of the same family or employees in a common employment.
SCOPE OF COVER