Micro Personal Accident Insurance (Sate Cha Life Plan)
Who are the beneficiaries for death of the insured or severe injuries to the insured?
- Beneficiary for death of insured: beneficiary (person(s) chosen by insured)
- Original policy (SMS Screen shot)
What are the required documents for benefit claims for micro personal accident insurance?
- Original policy (SMS Screen shot)
- Registered Telenor Phone No
- Claim request form
- Medical record
- Doctor’s recommendation letter for total permanent disability and
- NRC Copy
When will a 1-year policy expire?
1-year policy plan will expire after 365 days from the policy commencing date.
When will the policy coverage and benefits be enforced?
The policy coverage and benefits will be enforced after 24 hours from the policy purchasing period.
What are the benefits of micro personal accident insurance?
- Death benefit
- Total Permanent Disability benefit
- Loss of body parts and severe injuries benefit
Losses of body parts and severe injuries benefits are allocated according to the fixed percentage of sum insured as shown in the following table:
| Sr. No. | Conditions | % of Sum Assured |
| 1 | Total loss of vision in both eyes | 100 % |
| 2 | Total loss of vision in one eye | 50 % |
| 3 | Total loss of hearing in both ears | 50 % |
| 4 | Total loss of hearing in one ear | 25 % |
| 5 | Loss of voice/speech | 25 % |
| 6 | Loss of both arms or legs | 100 % |
| 7 | Loss of one arm or one leg | 50 % |
| 8 | Physical loss of both ears | 30 % |
| 9 | Physical loss of one ear | 15 % |
| 10 | Broken backbone | 50 % |
| 11 | Broken arms (both sides) | 30 % |
| 12 | Broken legs (both sides) | 30 % |
| 13 | Broken hip bones | 30 % |
| 14 | Broken shoulder bone or collar bone | 20 % |
| 15 | Broken arm (one side) | 15 % |
| 16 | Broken leg (one side) | 15 % |