Personal Accident

Insurance Policy

United Insurance Company Limited

 What is PA Policy?
Personal Accident Insurance or PA Insurance is an annual
policy which provides compensation in the event of injuries,
disability or death caused solely by violent, accidental,
external and visible events. It is different from life
insurance and medical & health Insurance. 

You can either take a PA policy for yourself or a group

policy for your family, protecting you and them anywhere
in the world, anytime of the day. PA Insurance provides 24-
hour worldwide Insurance protection.
 EXCEPTIONS
The Company shall not be liable under this Policy for death
loss or disablement directly or indirectly caused by arising
or resulting or traceable to :
1. Consequent on war, invasion or civil war:
2. Directly or indirectly consequent on the Assured engaging
air travel, except as a passenger in any property licensed
conventional aircraft being operated by a licensed airline in
accordance with published Schedules of flights, or time
tables or in a property licensed multi-engined aircraft being
operated by any licensed Air Line.
 Premium Rate Chart
The scope of cover and scale of benefits differ between insurance companies and you should
therefore ensure that your purchase a policy which meets your requirements. The type of
coverage normally provided under a PA policy include.
  Table “B”
Table “A”
Death,
Death,
  Permanent Table “C”
Permanent &
Class of Occupation Total & Death only.
Temporary
Partial
Disablements
Disablements

Class – I)      
(Accountants, Bankers, Medical Practitioners,      
Mercantile Asstt. And those engaged solely in 0.30% 0.125% 0.085%
Executive, Administrative or Clerical duties.
Class – 2)      
(Architects, Planters Electrical Engineer 0.40% 0.16% 0.11%
(Superintending only), Master Tradesmen who
supervise but do not manual work)
Class – 3)      
(Motor Engineers (Master working), Veterinary       
Surgeons, Persons engaged in manual work no 0.50% 0.21% 0.15%
involving unusual hazards or wood working
machinery. Other occupations will be considered
on application)
 Benefits/Compensation Chart
1. Permanent total loss of sight of both easy …….. 100%

2. Total loss or permanent total loss of use of two limbs …….. 100%

3. Total loss or permanent total loss of use of right arm …….. 75%

4. Total loss or permanent total loss of use of left arm …….. 60%

5. Total loss or permanent total loss of use of right fore arm …….. 65%

6. Total loss or permanent total loss of use of left fore arm …….. 55%

7. Total loss or permanent total loss of use of right hand …….. 60%

8. Total loss or permanent total loss of use of left hand …….. 50%

9. Total loss or permanent total loss of use of thighs …….. 60%

10. Total loss or permanent total loss of use of leg at or below the knee …….. 50%

11. Total loss or permanent total loss of use of foot …….. 40%

12 Permanent total loss of sight of the one eye …….. 50%

13. Permanent total deafness in two ears …….. 50%

14. Permanent total deafness in ear …….. 15%

15. Total loss or permanent total loss of use of thumb on right hand …….. 25%

16. Total loss or permanent total loss of use of thumb on left hand …….. 20%

17. Total loss or permanent total loss of use of index finger on right hand …….. 20%

18 Total loss or permanent total loss of use of index finger on left hand …….. 15%

19. Total loss or permanent total loss of use of middle finger on right hand …….. 12%

20. Total loss or permanent total loss of use of middle finger on left hand …….. 10%

21. Total loss or permanent total loss of use of third (ring) finger on right hand …….. 10%

22. Total loss or permanent total loss of use of third (ring) finger on left hand …….. 8%

23. Total loss or permanent total loss of use of little finger on right hand …….. 8%

24. Total loss or permanent total loss of use of little finger on left hand …….. 6%

25. Total loss or permanent total loss of use of big toe …….. 5%

26. Total loss or permanent total loss of use of any other toe …….. 3%
Permanent total disablement other then above (Compensation payable until the sum 5%
27. ……..
insured in reached) (annually)
Question session