If at any time during the currency of the Policy, the insured dies or sustains any bodily injury resulting solely and directly from accident caused by external, violent and visible means, the Personal Accident Policy would indemnify the victim/legal heirs of the deceased.

Different covers are available ranging from a restricted cover of Death only; to a comprehensive cover covering Death, Permanent Disablements and Temporary Total Disablements.  In addition, the cover can also be extended to include Medical Expenses due to accident and Expenses of Repatriation of mortal remains following accidental death for a specified limit.