Personal Accident Suraksha 
                     Accident Suraksha
HELLO ZINDAGI
https://www.hello
022 4147 5221 zindagi.co/ Insurance in a Blink
Temporary
Permanent Total
Total Disablement
Disablement
Permanent
Partial 
 
Disablement
What is
Accident Suraksha?
Accidents can happen to anyone, anywhere. They come unasked for and leave an “imprint” on lives for years to  
come. The value of human life and sufferings cannot be measured with money, but with a view to provide some 
relief  to the injured person or members of his family in the event of an unfortunate accident, an insurance cover, 
known  as “Accident Suraksha” was designed.
SALIENT FEATURES OF
ACCIDENT SURAKSHA
POLICY DETAILS
I. SCOPE OF COVER
A) Primary Covers
i. Accidental Death
ii. Permanent Total Disablement
iiii. Permanent Partial Disablement
iv. Temporary Total Disablement
B) Inbuilt Cover
i. Repatriation and Funeral Benefit
C) Additional Covers
On payment of additional premium, following covers may be opted:
i. Child Education Support
ii. Life Support Benefit
iii. Accidental Medical Expenses
iv. Accidental Hospitalization
v. Hospital Cash Allowance
vi. Loan Protector
vii. Adaptation Allowance
viii. Family Transportation Allowance
ix. Broken Bones
x. Road Ambulance Cover
xi. Air Ambulance Cover
xii. Adventure Sports Benefit
xiii. Chauffeur Plan Benefit
II. TABLE OF 
EVENTS
Event Percentage of  
Sum Insured
Accidental Death 100%
Permanent Total Disablement: 150%
Permanent total loss of sight of both eyes 150%
Permanent total loss of sight of one eye and physical separation of or the loss of ability to use either one hand or 150%
foot
Permanent total loss and physical separation of or the loss of ability to use both hands or both feet 150%
Permanent total loss and physical separation of or the loss of ability to use one hand and foot 150%
Coma of specified severity due to Injury 150%
Permanent paralysis of Limbs 150%
Permanent Partial Disablement: As Follows
An arm at the shoulder joint 75%
An arm above the elbow joint 70%
A hand at the wrist 50%
An arm beneath the elbow joint 60%
A thumb 25%
An index finger 10%
Any other finger 5%
A leg above mid-thigh 75%
A leg up to mid-thigh 60%
A leg up to beneath the knee 50%
A leg up to mid-calf 45%
A foot at the ankle 40%
A large toe 5%
Any other toe 2%
Permanent loss of sight of one eye 50%
Hearing of one ear 25%
Hearing of both ears 75%
Event Percentage of  
Sum Insured
Sense of smell 10%
Sense of taste 5%
Shortening of leg by at least 5% 7%
Burns as calculated on Rule of Nine for each area of body affected: As Follows
Burns at least 18% of the body surface area 30% of Sum
Insured
50% of Sum 
Burns at least 27% of the body surface 
area  Insured
100% of Sum 
Burns at least 45% of the body surface 
area  Insured
weekly benefit 
up  to a 
Temporary Total Disablement (weekly maximum of  
benefit) 100 weeks or as 
 mentioned in 
the  schedule
Broken Bones
If an insured person suffers from a fracture caused by an accident, certified by a Specialist Medical Practitioner and confirmed by 
 imaging investigations such as X-ray, then we will pay the percentage of the Sum Insured specified in the table below:
Sr. No. Fracture % of Sum Insured
1 Injury to vertebral body resulting in spinal cord damage 100%
2 Pelvis 100%
3 Skull (excluding nose and teeth) 30%
4 Chest (all ribs and breast bone) 50%
5 Shoulder (collar bone and shoulder blade) 30%
6 Arm 25%
7 Leg 25%
8 Vertebra – vertebral arch (excluding coccyx) 30%
9 Wrist (Colles' or similar fractures) 10%
10 Ankle 10%
Sr. No. Fracture % of Sum Insured
11 Coccyx 5%
12 Hand 3%
13 Finger 3%
14 Foot 3%
15 Toe 3%
16 Nasal Bone 3%
17                    Any other broken bon Percentage as assessed by  
registered Medical Practitioner
DISCLAIMER
The information in this brochure is only indicative in nature. For details of the coverage and exclusions please contact our nearest 
 office.
WHY CHOOSE HELLO ZINDAGI?
We are a team of consumer obsessed & driven people building Hello Zindagi. We are reimagining insurance through a 
consumption lens for millions of lives and lifestyles. Tech makes it easier for us achieve this mission and that’s exactly what we 
are busy building. 
The multiple ideas that we are building upon are all about an experience beyond the way insurance is understood or sold in India. 
Hello Zindagi is a Total Insurance Solutions Company.
Hello Zindagi Insurance Company Limited
(IRDAI Regn. No.  CA0622. CIN: 
U66000MH2018PTC316154
91 Springboard Business Hub, CST Road, Kalina, Bandra 
Kurla Complex, Santacruz East, Mumbai, Maharashtra 
400098
Website: 
https://www.hellozindagi.co/
Email:  [email protected]
Call us at: +91 87675 16040
For detailed  information on the product including risk 
factors, terms and conditions etc., please refer to the  
product policy clause, consult your advisor or visit our  
website before concluding a sale.