An accident may result in permanent or partial disability. This may require an individual to make certain home/bathroom modifications to make for an easier life. With Group Care 360 - Home Modification Cover from Care Health Insurance Ltd., one may avail of permanent total disablement coverage of up to Rs. 10,000 and coverage for home modification up to Rs 10,000.
|Insured Events||Amount payable = % of the Sum Insured|
|Total and irrecoverable loss of sight of both eyes, or of the actual loss by physical separation of two entire hands or two entire feet, or one entire hand and one entire foot, or of 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 of one eye and use of one hand or one foot||100%|
|Total and irrecoverable loss of sight of one eye, or of 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 or Quadriplegia or Hemiplegia||100%|
If the insured member suffers an injury, which directly results in the insured member’s permanent total disablement within 12 months from the date of accident (including date of Accident), he/she will get an amount as per the above table.
The insured member will get coverage for reasonable and necessary modifications of their place of residence.
For a list of exclusions, please refer to the policy wordings.