Page 182 - IC38 GENERAL INSURANCE

 Unnamed employees
 Non Employer-Employee relationship

These policies are granted to associations, societies, clubs, etc. to
cover:
 Named members
 Members not identified by name
(Note: Employees may be covered separately)
Broken bone policy and compensation for loss of daily activities
This is a specialised PA policy. This policy is designed to provide cover against
listed fractures.
i. Fixed benefit or percentage of sum insured mentioned against each
fracture is paid at the time of claim.
ii. Quantum of benefit depends on the type of bone covered and nature of
fracture sustained.
iii. To illustrate further, compound fracture would have higher percentage
of benefit than simple fracture. Again, percentage of benefit for femur
bone (thigh bone) would have higher percentage over benefit of finger
bone.
iv. The policy also covers fixed benefit defined in the policy for loss of daily
activities viz. eating, toileting, dressing, continence (ability to hold
urine or stools) or immobility so that insured can take care of cost
associated to maintain his/her life.
v. It also covers hospital cash benefit and accidental death cover.
Different plans are available with varying sums insured and benefit
payout.

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