ISSUING OFFICE

The Oriental Insurance Company Limited

Head Office: A 25/27, Asaf Ali Road, New Delhi -110002

NAGRIK SURAKSHA INDIVIDUAL POLICY

WHEREAS the Insured named in the Schedule herein has made or caused to be made to The Oriental
Insurance Co. Ltd. (hereinafter called the ‘Company’) a written proposal dated as stated in the Schedule
hereto (warranting the truth of the statements contained therein) which is the basis of this Contract and is
deemed to be incorporated herein and has paid to the Company the premium herein stated for the
insurance hereinafter specified for the period stated in the Schedule or any further period for which the
Company may accept payment for the renewal of this policy.

The Policy offers Personal Accident cover (Death/Permanent Total Disability, loss of Limb(s) &
*Permanent Partial Disability including reimbursement of hospitalization expense as specified under the
schedule of insurance of the policy.

*The disability must not be less than 40 % in aggregate for becoming entitled to any claim under Personal
Accident section of this policy.

(Company’s Total Liability in respect of all claims admitted during the period of Insurance shall not
exceed under Section I (Personal Accident) the Sum Insured as specified in the Schedule of insurance of
the policy and under Section II (Hospitalization) the sum insured as specified in the schedule of the policy
for each completed period of 12 months during the period of Insurance.)

NOW THIS POLICY WITNESSETH that subject to the terms, exclusions, definitions and conditions
contained herein or endorsed or otherwise expressed hereon the company will pay, as the case may be ,
the Insured as hereinafter mentioned.

SECTION I , PERSONAL ACCIDENT (P.A)

DEFINITIONS:

1. ACCIDENT: An accident is a sudden unforeseen and involuntary event caused by

external, visible and violent means.
2. INJURY: Injury means accidental physical bodily harm, excluding illness or disease,
solely and directly caused by external, violent and visible and evident means which is
verified and certified by Medical Practitioner.
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3. LOSS OF LIMB(S): It shall mean physical separation of one or more hands or feet or
permanent and total loss of use of one or more hands or feet.
4. PHYSICAL SEPERATION: It shall mean separation of hand at or above the wrist
and/or of the foot at or above the ankle.
5. PERMANENT TOTAL DISABLEMENT: The bodily injury, which is direct cause of
permanently, totally and absolutely disabling the person insured from engaging in being
occupied with or giving attention to any employment or occupation of any description
whatsoever.
6. PERMANENT PARTIAL DISABLEMENT: The bodily injury which is the sole and
direct cause of total and irrecoverable loss of use of or the actual loss by physical
separation permanently incapacitating the Insured Person to the extent of 40% or more
in aggregate.
7. INJURY SERIES CLAUSE: For the purpose of this policy where, several bodily
injuries are attributable directly or indirectly to the accident all such bodily injuries shall
be added together and such bodily injuries shall be treated as one claim.

COMPENSATION: If, at any, time during the currency of the policy the Insured person
shall sustain any bodily injury resulting solely and directly from Accident caused by
external, violent and visible means then the Company shall pay to the Insured person or
his legal personal representative(s) as the case may be, the sum hereinafter set forth is to
say-
(a) If such injury shall within twelve calendar months of its occurrence be the sole and
direct cause of death of the Insured person the sum insured as specified in the
Schedule of insurance, shall be paid to the nominee/legal personal representatives of
the Insured Person.
(b) If such injury shall within twelve calendar months of its occurrence be the sole and
direct cause of the Total and irrecoverable loss of sight of both eyes or total and
irrecoverable loss of use of two hands or two feet or of one hand and one foot or of
such loss of sight of one eye and such loss of use of one hand or one foot, 100% of
the sum insured as specified in the schedule of Insurance shall be paid to the insured
person.
(c) If such injury shall within 12 calendar months of its occurrence be the sole and direct
cause of the total and irrecoverable loss of sight of one eye or total and irrecoverable
loss of use of one hand or one foot, 50% of the sum insured as specified in the
schedule of insurance shall be paid to the Insured person.
(d) If such injury shall within 12 calendar months of its occurrence be the sole and direct
cause of permanent, totally and absolutely disabling the insured person from engaging
in being occupied with or giving attention to any employment or occupation of any

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 description whatsoever, the sum insured as and specified in the Schedule of insurance
shall be payable to the Insured person.
(e) If such injury shall within twelve calendar months of its occurrence be the sole and
direct cause of the total and irrecoverable loss of use or the actual loss by physical
separation as a result of bodily injury incapacitating the insured person to the extent
of 40% or more in aggregate as may be assessed by the attending physician, the
compensation shall be the percentage of sum insured equal to the percentage of
disability but in no case exceeding hundred percent of the sum insured.

EXCLUSION: (APPLICABLE TO SECTION I OF THE POLICY)

The company shall not be liable for:

1. Compensation under more than one of the benefits mentioned under “Compensation” above in
respect of same period of disablement arising out of the accident.
2. Any other payment after a claim under one of the Sub-Clauses (a), (b), (c) or (d) mentioned under
“ Compensation” above has been admitted and becomes payable.
3. Any payment in case of more than one claim under this section during any one period of
insurance by which company’s liability in that period would exceed the sum insured as specified
in the schedule of insurance.
4. Payment of compensation in respect of injury as a direct consequence of:
(i) Committing or attempting suicide, intentional self injury.
(ii) Under the influence of intoxicating liquor or drugs.
5. Whilst engaging in Aviation or whilst mounting into, dismounting from or traveling in any
aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of
aircraft anywhere in the world.
6. Death or disablement resulting from Pregnancy or childbirth.
7. Death or disablement resulting from Venereal disease or insanity.
8. Contracting any illness directly or indirectly arising from or attributable to HIV and/or any HIV
related illness including AIDS and/or any mutant derivative or variation of HIV or AIDS.
9. Committing any breach of law of the land with criminal intent.

SECTION II :
REIMBURSEMENT OF HOSPITALISATION EXPENSES FOLLOWING BODILY INJURY
CAUSED BY AND ARISING OUT OF AN ACCIDENT:

Subject to the terms, conditions, exclusions and definitions contained herein or endorsed or
otherwise expressed hereon, the Company undertakes that if during the period stated in the
schedule or during the continuance of this policy by renewal any insured person shall sustain any
bodily injury RESULTING SOLELY AND DIRECTLY FROM ACCIDENT which would
normally give rise to injury and upon the advice of a duly qualified Physician/Medical
Specialist/medical Practitioner (hereinafter called the Medical Practitioner) or of duly qualified
surgeon ( hereinafter called the Surgeon) shall require to incur (a) hospitalization expenses for
medical/surgical treatment at any nursing home/hospital as herein defined (hereinafter called
HOSPITAL) as an inpatient. The company will reimburse to the insured person, the amount of
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such expenses as are reasonably and necessarily incurred in respect thereof by or on behalf of
such insured person. The total liability of the company in respect of all claims admitted shall not
exceed the sum insured as specified in the schedule of the policy for each completed period of 12
months during the period of insurance.

DEFINITIONS:

1. ACCIDENT: An accident is a sudden unforeseen and involuntary event caused by

external, visible and violent means.
2. INJURY: Injury means accidental physical bodily harm, excluding illness or disease,
solely and directly caused by external, violent and visible and evident means which is
verified and certified by Medical Practitioner.
3. HOSPITAL/NURSING HOME: A hospital means any institution established for in-
patient care and daycare treatment of illness and / or injuries and which has been
registered as a hospital with the local authorities under the Clinical Establishment
(Registration & Regulation) Act 2010 or under the enactments specified under the
schedule of section 56 (1) of the said act or complies with all minimum criteria as under :

- Has qualified nursing staff under its employment round the clock.
- Has at least 10 in-patient beds in towns having a population of less than 10 lakh and
at least 15 in-patient beds in all other places.
- Has qualified medical practitioner(s) in charge round the clock.
- Has a fully equipped operation theater of its own where surgical procedures are
carried out.
- Maintains daily records of patients and makes these accessible to the insurance
company’s authorized personnel.

4. SURGICAL OPERATION: Surgery or Surgical Procedure means manual and / or

operative procedure (s) required for treatment of an illness or injury, correction of
deformities and defects, diagnosis and cure of diseases, relief of suffering or prolongation
of life, performed in a hospital or day care centre by a medical practitioner
5. MEDICAL PRACTITIONER: A Medical Practitioner is a person, who holds a valid
registration from the Medical Council of any State or Medical Council India or council
for Indian Medicine or for Homeopathy set up by the Government of India or a State
Government and is thereby entitled to practice medicine within its jurisdiction; and is
acting within the scope and jurisdiction of licence.
6. QUALIFIED NURSE: means a person, who holds a valid registration from the Nursing
Council of India or the Nursing Council of any State in India.
7. REASONABLE AND CUSTOMARY CHARGES: Reasonable charges means the
charges for services or supplies, which are the standard charges for the specific provider
and consistent with the prevailing charges in the geographical area for the identical or
similar services, taking into account the nature of the injury involved.

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 8. MEDICAL EXPENSES: Medical Expenses means those expenses that an Insured
Person has necessarily and actually incurred for medical treatment on account of
Accident on the advice of a Medical Practitioner, as long as these are no more than would
have been payable if the Insured Person had not been insured and no more than other
hospitals or doctors in the same locality would have charged for the same medical
treatment.
9. INPATIENT CARE: Inpatient care means treatment for which the insured person has to
stay in a hospital for more than 24 hours for a covered event.

EXCLUSIONS APPLICABLE ON SECTION II OF THE POLICY

The Company shall not be liable to make any payment under this policy in respect of any
expenses whatsoever incurred by the insured person in connection with or in respect of-

1. Such conditions which has been in existence at the time of proposing the insurance the
pre existing condition means any injury or it’s symptoms which existed prior to the
effective date of this insurance, whether or not the insured person had any knowledge that
the symptoms were relating to the injury. Any complications arising from pre existing
injury will be considered part of that preexisting condition.

2. Circumcision unless necessary for treatment of injury, vaccination or inoculation or

change of life, cosmetic or aesthetic treatment of any description, plastic surgery unless
necessary for treatment of the injury.
3. Cost of spectacles and/or contact lens and/or hearing aids.
4. Convalescence, general debility, run down condition or rest cure, congenital external
disease or defects or anomalies, sterility, venereal disease , intentional self injury and use
of intoxicating drugs/alcohol.
5. Any treatment relating to Human T-Cell lymph tropic virus types III (IITLB-III)
Lymphadionopathy Associated Virus (LAV) or Mutants Derivative or Variation
Deficiency Syndrome or any syndrome or a condition of a similar kind referred to as
AIDS.
6. Diagnostic, X-Ray or laboratory examination unless related to the treatment of the injury
falling within the ambit of Hospitalization.
7. Out Patient or first aid and also such expenses, which do not arise out of Hospitalization.
8. Vitamin and tonic unless forming part of treatment for injury and as may be prescribed
by the attending Physician.
9. Naturopathy, magnetic/yoga therapy treatment.
10. Dental treatment or surgery of any kind unless requiring hospitalization.
11. Any pre-hospitalization and post hospitalization medical treatment.

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 12. Any treatment arising from or traceable to pregnancy, child birth including caesarean
section.

CLAIM PROCEDURE & REQUIREMENTS (APPLICABLE BOTH

SECTION-I & SECTION-II OF THE POLICY):
1. Upon happening of any event which may give rise to a claim under this policy, written notice
with full particulars must be given to the Company’s policy issuing office immediately. However
reasonable cause to be furnished in the event of the insured person or his representative for not
notifying the accident immediately. This clarification for delay in notification shall in any case be
submitted within 7 days from the date of accidental injury.
2. The insured person shall obtain and furnish to the Company with all the original bills, receipts
and other documents , upon which a claim is based and shall also give the Company such
additional information and/or assistance as the company may require in dealing with the Claim.
3. Proof satisfactory to the Company shall be furnished of all matters upon which a claim is based.
Any medical practitioner or any authorized official of the Company shall be allowed to examine
the Insured Person in case of any alleged injury requiring hospitalization as and when the same
may reasonably be required on behalf of the Company.
4. Final claim along with hospital receipted Bills/Cash memos, FIR- if any, claim form and list of
documents as listed in the claim form etc., should be submitted to the Company’s policy issuing
office within 14 days of discharge from the hospital.

GENERAL CONDITIONS: (APPLICABLE BOTH SECTION-I &

SECTION-II OF THE POLICY):
1. Every notice or communication to be given or to be made under this policy shall be delivered in
writing at the address of this policy issuing office of the Company. In the event of a claim arising
out of an accident involving any other person or property not relating/belonging to the insured, a
complaint to the nearest police station to be lodged forthwith unless it is not practicable to do so
on account of reasons beyond the control of the insured, in which case, a report to the police
station to be sent as soon as possible and in any case, within reasonable time, stating the
circumstances of the occurrence including the circumstances if any for not taking immediate
action to report the said accident to the police.
2. Insured/Insured Persons shall take all reasonable precautions for safety and soundness to prevent
aggravation of injury in order to minimize claims under the policy.
3. This policy shall be void and the premium paid by the Insured to the Company shall be forfeited
in the event of misrepresentation, mis-description or concealment of any material facts.
4. Insured/Insured person must inform the company, as soon as reasonably possible, of any material
change in the information provided to the company for example, change of address etc.
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5. The premium payable under this policy shall be paid in advance. No receipt for Premium shall be
valid except on the official form of the Company signed by a duly authorized official. The due
payment of premium and the observance and fulfillment of the terms, provisions, conditions and
endorsement of this policy by the insured person in so far as they relate to anything to be done or
complied with by the insured person shall be a condition president to any liability of the
Company to make any payment under the policy. No waiver of any terms, provisions, conditions
and endorsement of this policy shall be valid unless made in writing and signed by an authorized
official of the Company.
6. The Company shall not be liable to make any payment under this policy in respect of any claim if
such claim be in any manner fraudulent or supported by any fraudulent statement or device,
whether by the insured person or by any other person on his/her behalf.
7. If at any time claim arises under this policy, there is in existence any other Insurance/scheme
whether it be effected by or on behalf of any insured person in respect of whom the claim may
have arisen covering the same expenses, the Company shall not liable to pay or contribute more
than its ratable proportion of any such expenses applicable to Section II of the policy.
8. The policy may be renewed by mutual consent of the Company and the Insured. The Company
shall not however be bound to give notice when it is due for renewal and the company may at any
time cancel this policy by sending the Insured 30 day’s notice by registered post at the insured’s
last known address and in such event the Company shall refund to the Insured, a pro rata
premium for the unexpired period of Insurance. The company shall however, remain liable for
any liability which might have arisen prior to the date of cancellation. The Insured may at any
time seek to cancel this policy and in such an event, the company shall allow refund of premium
at Company’s short period rate only (table given below) provided no claim has occurred up to the
date of cancellation. The company’s reserves the right review the cover at the end of each policy
period and take appropriate action without assigning any reason thereof. However the Company
may deny renewal on the grounds of fraud, moral hazard or non co-operation by the insured.
PERIOD OF RISK RATE OF PREMIUM
UPTO ONE MONTH ¼ th of the annual rate
UPTO THREE MONTH ½ of the annual rate
UPTO SIX MONTHS ¾ th of the annual rate
EXCEDING SIX MONTHS Full annual rate

9. Should any difference arise as to any amount payable to the insured (liability being otherwise
admitted), such difference shall independently of all other questions be referred to the decision of
Arbitrator(s) to be appointed in India in accordance with appropriate statutory provisions in force
in India at the time of reference.
10. If the Company shall disclaim liability under any claim and such claim shall not have been made
subject matter of suit in a Court of Law within 12 months from the date of disclaimer, then the
claim shall for all purposes be deemed to have been abandoned and shall not thereafter be
recoverable under this Policy .
11. The Company shall not be liable for any interest on any sum paid/payable under this policy.

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 12. The parties to this insurance policy expressly agree that the disputes under the policy shall be
subject to Indian Courts of competent jurisdiction and that the laws of the Republic of India shall
govern the validity, construction, interpretation and effect of this policy.
13. In the event of a claim otherwise being admissible in respect of hospitalization as a result of an
accident on a foreign land, the reimbursement of hospital expenses shall be at the rate of
exchange applicable as on the date of accident. However, such an amount payable shall be in
Indian Currency and limited to the Sum Insured specified in the schedule of insurance of the
Policy.

GENERAL EXCLUSION (APPLICABLE BOTH SECTION-I &

SECTION-II OF THE POLICY):
The Company shall not be liable for:

1.WAR RISK: body injury as a consequence directly or indirectly of war, invasion, act of foreign
enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, military
or usurps power, confiscation, nationalization, civil commotion or loot or pillage in connection herewith.

2. CONFISCATION: any bodily injury to the insured person due to confiscation, requisition or
destruction by order of any government, public or local authority.

3. NUCLEAR RISK: any bodily injury to the insured person, consequential loss, legal liability, directly
or indirectly caused by or contributed to by or arising from:

A. ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste
from the combustion of nuclear fuel.

B. the radioactive, toxic, explosive or the hazardous properties of any nuclear assembly or nuclear
component.

4. Consequential loss of any kind or description.

OTHER BENEFITS:
1. CUMULATIVE BONUS: compensation payable under Hospitalization reimbursement section
shall be increased by 5% for each completed claim free period of 12 months during the period of
insurance subject to maximum amount of such increase being not more than 20% of the sum
insured under Hospitalization Section as specified in the schedule of insurance. However, the
Cumulative Bonus Benefit shall be lost if the policy is not renewed within 30 days of expiry.
This benefit of cumulative bonus is applicable in case of individual policy holders only.

2. CARRIAGE OF DEAD BODY & FUNERAL CHARGES: expenses incurred in the carriage
of dead body of the Insured to his pace residence and funeral charges (death due to accident and
the claim otherwise being admissible under the PA section of the policy) shall be reimbursed
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 subject to maximum of 2% of the sum insured as specified in the schedule of insurance under PA
section of this policy, or Rs. 2,500/- whichever is less.
3. EDUCATION FUND: in the event of death or permanent total disablement of the Insured due to
accident, the policy shall also provide compensation towards education fund for the dependent
children in addition to the sum Insured as specified in the schedule of Insurance under PA section
of the policy of the same person(s) who is/are entitled to receive the compensation as given below
irrespective of number of policies held by an individual Insured.

A. If the Insured Person has one dependent child below the age of 23 years on the date of
accident, an amount equal to 10% of original Sum Insured as specified in the PA section of
the policy subject to maximum of Rs. 5,000/-.
B. If the Insured person has more than one dependent child below the age 23 years on the date of
accident an amount equal to 10% of original Sum insured as specified in the PA section of the
policy subject to maximum of Rs. 10,000/-.
C. This benefit shall be available to the beneficiary provided the claim is otherwise admissible
under the PA section of the policy.

4. LOSS OF EMPLOYMENT: in case of loss of employment of the insured person due to

permanent total disablement, 1% of the original sum insured as specified in the schedule of
insurance of the PA section of this policy become payable to the insured Person in addition to the
sum insured provided the claim is otherwise admissible under the PA section of the policy.

This benefit is applicable in case of individual policy holders only.

5. FREE LOOK PERIOD: (Applicable only for INDIVIDUAL POLICY)

This policy shall have a free look period. The free look period shall be applicable at the
inception of the policy and:

1. The insured will be allowed a period of at least 15 days from the date of receipt of the policy
to review the terms and conditions of the policy and to return the same if not acceptable

2. If the insured has not made any claim during the free look period, the insured shall be entitled
to

a. A refund of the premium paid less any expenses incurred by the insurer on medical
examination of the insured persons and the stamp duty charges or;

b. where the risk has already commenced and the option of return of the policy is exercised by
the policyholder, a deduction towards the proportionate risk premium for period on cover or;

c. Where only a part of the risk has commenced, such proportionate risk premium
commensurate with the risk covered during such period.

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 PREMIUM REVISION CLAUSE

The above rates are valid for a period of 1 year only. The company may revise the premium
rates and / or the terms & conditions of the policy upon renewal thereof as per the IRDA
guidelines prevailing at that time.

NOMINATION

I ___________________________ hereby nominate the money payable, in the event of my death, arising
out of accident payable under the policy by the Oriental Insurance Company Limited to
Mr./Ms_________________________ (relation with the insured)_______________ and I further declare
that his/her receipt shall be final and sufficient to the Insurance Company.

Place___________ Signature of the Proposer/Insured_________________

Date ___________ Signature, Name and address of the witness_________

____________________________________________

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