Express Plan: Accidental Loss-of-Use Insurance

Features and Benefits

The accidental loss of use insurance will provide a compensation of 100% on the insurance amount if you lose both eyes, both foot, both hands or hearing, and speech. You will also receive 100% compensation if you lose one hand and one eye, one foot, and one eye and so forth. You will receive 50% compensation for losing one hand or one foot, or sight of one eye or speech/hearing and so forth.

• The eligible age for this insurance plan is between age 16 and 64 (both ages inclusive).
• The amount of insurance offered in this plan is from $25,000 to $500,000, in $25,000 increments.
• You will receive a compensation of 100% of the amount insured if you lose both eyes, both foot, both hands or hearing, and speech. You will also receive 100% compensation if you lose one hand and one eye, one foot, and one eye and so forth.
• You will receive 50% compensation for losing one hand or one foot, or sight of one eye or speech/hearing and so forth.
• You will receive 25% of the amount insured if you lose your thumb, 6.25% if you lose a finger other than the thumb, and 75% if you lose one arm or one leg.
• If the insured becomes totally disabled before his 60th birthday, he will be eligible for the waiver of premiums benefit. This means that he will not be required to pay premiums from the fourth month after he becomes disabled till as long as he remains disabled but not beyond age 65.
• The coverage ends on the contract anniversary that coincides or follows your 70th birthday.

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Additional resources

Learn more about your health insurance options from these informative articles.