🛡️ New India Assurance – Personal Accident Policy

🌟 Introduction

Life is full of uncertainties, and accidents can happen anytime, anywhere — at home, on the road, or at work. To protect yourself and your family from the financial impact of such unfortunate incidents, New India Assurance Company Ltd. offers the Personal Accident Policy.
This policy provides 24x7 worldwide coverage against accidental death, disability, and related risks. With a single, affordable premium, you can ensure peace of mind and financial security for your loved ones.

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💰 Key Benefits of the Policy

1. Accidental Death Cover
   If the insured person dies due to an accident, the policy pays the full sum insured to the nominee or family.

   • Example: If your sum insured is ₹10 lakhs, your family will receive ₹10 lakhs in case of accidental death.

2. Permanent Total Disability (PTD)
   If the accident causes permanent total disability — such as loss of both limbs or eyesight — the policy pays 100% of the sum insured.
   This benefit helps you continue your financial commitments even when you can’t work.

3. Permanent Partial Disability (PPD)
   If the accident results in partial loss (like loss of one hand, eye, or finger), a percentage of the sum insured is paid as per the policy schedule.

4. Temporary Total Disability (TTD)
   If you’re temporarily unable to work due to an accident, you receive weekly compensation (up to 100 weeks) to cover your income loss during recovery.

5. Medical Expenses Extension (Optional)
   You can choose to cover hospital and medical expenses following an accident by paying a small additional premium.

6. Education Benefit
   In the event of death or permanent total disability of the insured, the policy offers an education fund for dependent children to help continue their studies.

7. Transportation of Mortal Remains
   The policy also reimburses reasonable expenses incurred for transporting the insured person’s body to their home after accidental death.

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📋 Eligibility & Coverage Details

• Entry Age: 5 to 70 years (can be renewed lifelong)

• Coverage Area: Worldwide, 24 hours a day

• Sum Insured Options: ₹1 lakh to ₹1 crore (depending on the individual’s income)

• Policy Period: 1 year (renewable annually)

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🧾 Who Can Take This Policy?

This policy is ideal for:

• Salaried individuals who want financial safety for their families.

• Business owners and self-employed professionals exposed to travel or field risks.

• Students and homemakers who can also be insured for nominal premiums.

• Employees under group insurance — organizations can provide this policy as a benefit to staff.

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⚙️ How to Buy or Renew the Policy

You can easily purchase or renew the New India Assurance Personal Accident Policy through:

• The official website: www.newindia.co.in

• Any authorized insurance agent or branch office

• Digital payment and policy issuance available instantly

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🚨 What’s Not Covered (Major Exclusions)

The policy does not cover:

• Injuries caused by self-harm or suicide attempts

• Accidents while under the influence of alcohol or drugs

• War, terrorism, or nuclear-related incidents

• Participation in dangerous sports or illegal activities

• Pre-existing disabilities before policy inception

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💡 Example Scenario

Mr. Rajesh, a 35-year-old sales executive, took a Personal Accident Policy for ₹20 lakhs.
A few months later, he met with a road accident and suffered permanent disability.
New India Assurance paid him the full ₹20 lakhs, which helped him cover his medical expenses and secure his family’s future.

This real-life protection shows why such a policy is essential — because accidents don’t come with warnings.

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🌈 Why Choose New India Assurance?

✅ Government-owned and trusted insurer since 1919
✅ Worldwide service network with quick claim settlements
✅ Flexible coverage options for individuals and families
✅ Low premiums with high-value benefits

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🏁 Conclusion

The New India Assurance Personal Accident Policy is a smart, affordable, and essential safety net for anyone who wants to protect their family from financial hardship due to unforeseen accidents.
A small premium today can safeguard your loved ones tomorrow.
Stay protected — stay assured — with New India Assurance. 💙