Page 133 - Misc Ebook IC 78

Miscellaneous Insurance

mines, explosives, magazines, workers involved in
electrical installations with high tension supplies,
Jockeys, Circus personnels, persons engaged in
racing cars or horses, big game hunting,
mountaineering, winter sports, skiing, ice hockey,
ballooning, hand gliding, river rafting, polo and
persons engaged in occupations with similar
hazards.

Ans.c) Group personal accident policies did not be always on
the basis of 24 hours cover but the employers can choose
a cover for restricted hours. For example, if an employer
chooses a cover only for the restricted hours of duty,
and not for all the 24 hours of the day, a reduced premium
equivalent to 75% of the appropriate premium is charged.

The cover applies to the accidents arising out of and in
the course of employment only. An employer can also
choose a cover required only for the are hours when
the employee is not at work or on official duty. Then, a
reduced premium of 50% of the appropriate premium is
charged.

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