Group Personal Accident Insurance Scheme

Insurance Scheme for school children: In Kerala about 55 lakhs of pupils are studying in schools from Standard I to X, VHS, HSS and THS

These students often met with serious accidents, road accidents, accidents in school building, natural calamities, food poisoning etc. are the most common causes of accidents that happen to children. Previously there was no risk coverage against accidents for them. The Government have therefore decided to Introduce "Group, Personal Accident Insurance Scheme" for the school children of Government and private aided schools from the year 1989-90 and ordered as per G.O. (P) No. 127/89/G. Edn. dated 26-7-1989.

The benefits of the Insurance Scheme have been extended to the students of VHS and HSS. Government vide G.O. (Ms.) No. 168/2000/G.Edn. Dated 25-5-2000 has extended the benefits of the Insurance Scheme to the THS students of the state.

The Insurance scheme of the THS students of the state was entrusted to the United India Insurance Company.

The Students Group Accident Insurance Scheme is entrusted to 4 Insurance Companies as detailed below (From 14-8-2000).

Name of the Insurance Company

1. National insurance Company
Name of the District allotted to the Company
1. Thiruvananthapuram

2. Ernakulam

3. Kottayam

4. Idukki

2. New India Assurance Company
Name of the District allotted to the Company
1. Thrissur

2. Pathanamthitta

3. Kollam

4. Alappuzha

3. United India Insurance Company
Name of the District allotted to the Company
1. Wayanad

2. Kasargode

3. Malappuram

4. Palakkad

4. Oriental Insurance Company
Name of the District allotted to the Company
1. Kozhikode

2. Kannur

Compensation Payable:

1. Death due to accident
Rs. 10,000

2. Loss of sight of both eyes, loss of both
hands both feet or loss of sight of one
eye and loss of one hand or one foot
due to accident

RS 10,000

3. Any other permanent entire physical
disablement due to accident

RS 10,000

4. Loss or disablement of one eye,
one hand or one foot

RS 5,000

5. Apart from the above any kind of
permanent or partial physical disablement caused due to accident

Fixed percentage of the sum insured of RS 10,000 as below

Percentage of capital sum insured

(i) Loss of toes-all_ 20

Great-both phalanges_ 5

Great-one phalanx_ 2

Other than great, if more than one toe lost each_ 1

(ii) Loss of hearing -both ears_ 50

(iii) Loss of hearing - one ear _15

(iv) Loss of four fingers and thumb of one hand_ 40

(v) Loss of four fingers_ 35

(vi) Loss of thumb - both phalanges _25

Loss of thumb - one phalan_ 10

(vii) Loss of index finger-three phalanges_ 10

Loss of index finger- two phalanges _8

(viii) Loss of middle finger-three phalanger's _6

Loss of middle finger- two phalanges 4

Loss of middle finger- one phalnax_ 2

(ix) Loss of ring finger-three phalanges _5

Loss of ring finger - two phalanges_ 4

Loss of ring finger. - one phalanx _2

(x) Loss of little finger-three phalanges _4

Loss of little finger.- two phalanges_ 3

Loss of little finger. - one phalanx 2

(xi) Loss of metacarpals-first or second(additional)_ 3

Loss of metacarpals-first or second - (third, fourth of fifth additional)_2

In addition to the above, reimbursement of medical expenses subject to limit of RS 500 for any one student, any one accident per year incurred by the student for treatment in a hospital/nursing home as inpatient for injury sustained in an accident.

Conditions

Upon the happening of any event which might give rise to a claim under this policy written notice as per the preliminary claim intimation from (Please see Annexure I) should be given immediately by the Headmaster of school to the nearest nominated Office of the Company (as given below) after collecting full details from the insured person.

In short, in the event of claim.

1. The nearest nominated Office of Insurance Company. should be intimated of the accident in the prescribed preliminary claim intimation form by the Headmaster of the school.

2. Subsequently on receipt of the claim from the company fill in the details with attestation of Headmaster, A.E.O., D.E.O. and, Medical certificate and submit it along with the relevant documents as per checklist.

3. Cheque for claim amount will be sent to beneficiary on proper discharge from the Headmaster of the school and the beneficiary.




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