Self Care

• Accidental Death: Lump-sum payout if the insured passes away within 12 calendar months due to an accident.
• Permanent Total Disablement (PTD): Lump-sum benefit if an accident permanently and continuously prevents the insured from engaging in their usual occupation or business within 12 calendar months.
• Temporary Total Disablement (TTD): Weekly income allowance paid for up to 52 weeks while temporarily out of work due to bodily injury.
• Hospital Cash: Lump-sum cash benefit paid once per hospitalization following an accident (excluding the first 3 days).
• Accidental Medical Expenses: Direct payment to hospitals or reimbursement for actual, reasonable medical costs incurred for accident treatment.
• Artificial Medical Appliances: Coverage for necessary post-treatment mobility aids, prosthetics, or artificial appliances.
• Funeral Expense (Accidental Death): Fast payout disbursed within 48 hours following a fatal accident.
• Political Violence & Terrorism (PVT): Extended protection inclusion under policy terms.

Key Policy Exclusions (What Is Not Covered)
The policy does not indemnify losses arising directly or indirectly from:

• War and related hostilities.
• Nuclear radiation, reaction, or radioactive contamination.
• Willful acts or deliberate gross negligence by the insured.
• Mandatory policy deductibles or excess amounts.
• Consequential financial loss of any kind.
• Contractual liabilities that would not exist without an agreement.