If the accident is fatal and results in death, the entire sum assured is paid as death benefits to the family of the deceased individual. This provides financial security to the dependent family members.
If an accidental injury causes permanent partial disability, the insurance policy pays a specified percentage of the sum assured to the policyholder.
If the accident causes permanent and total disability (e.g., loss of both limbs), the personal accident cover shall pay a specified amount to the policyholder
If the accident results in temporary total disability and the individual is bedridden, the policy will reimburse the loss of income based on the salary.