An accident may result in permanent or partial disability. For better support and accessibility, the person with disability may need to make some modifications to their home and bathroom. These modifications can be expensive. With Group Care 360 - Home Modification Cover from Care Health Insurance Ltd., the insured person can avail of up to Rs. 10,000 as permanent disablement coverage and up to Rs 10,000 for home modifications.
|Insured events||Amount payable = % of the Sum Insured|
|Total and irrecoverable loss of sight in both eyes, or the actual loss by physical separation of two entire hands or feet, or one entire hand and one entire foot, or the total and irrecoverable loss of sight of one eye and loss by physical separation of one entire hand or one entire foot||100%|
|Total and irrecoverable loss of (a) use of two hands or two feet, or (b) one hand and one foot, or (c) sight in one eye and use of one hand or one foot||100%|
|Total and irrecoverable loss of sight in one eye, or the actual loss by physical separation of one entire hand or one entire foot||50%|
|Total and irrecoverable loss of use of a hand or a foot without physical separation||50%|
|Paraplegia, quadriplegia or hemiplegia||100%|
If the insured member suffers an injury that directly results in permanent total disablement within 12 months of the accident (including the date of accident), they will get an amount as per the table above.
The insured member will get coverage for reasonable and necessary modifications to their residence.
For the list of exclusions, please refer to the policy wordings.