|
Who can
enrol for PRAVASI SURAKSHA ?
Who can enrol for KUDUMBA AROGYA ?
-
Any
Non Resident Indian who has already enrolled for the Pravasi
Suraksha (PS ) Scheme.
-
Spouse,
of an NRI who has already enrolled in the PS & KA Scheme.
He/she can be resident in India or abroad.
-
Children,
of an NRI who has already enrolled in the PS & KA Scheme.
They can be resident in India or abroad.
-
Parents
(below 70 years), of an NRI who have already enrolled in the
PS & KA Scheme. They can be resident in
India or abroad.
Parents cannot enrol in the PS Scheme.
Who can enroll for PRAVASI VANITHA SURAKSHA SCHEME ?
-
Any
female non-resident Indian working abroad.
-
Such
female non-resident Indian should already be enrolled for
Pravasi Suraksha Scheme I or II OR should be applying
simultaneously for Pravasi Suraksha and Pravasi Vanitha. She
also has the option to join the Kudumba Arogya Scheme.
Key Benefits of PRAVASI SURAKSHA
- Covers Death
due to accident, P.T.D (Permanent Total Disability) due to
accident, Loss of one eye/one limb due to accident and
Loss of
both limbs / one eye and one limb or both eyes.
- If the death
of the insured occurs due to accident /illness in a foreign
country, the expense incurred for repatriation of the
body to India up to Rs. 50,000/- (including airfare of an
accompanying person) OR if the insured is to be brought to
India ALIVE
after an accident, airfare for the insured as well
as for the accompanying person upto Rs. 50,000/- is payable,
provided a
valid claim is admitted under PS & KA Scheme.
- In case of
death of the insured NRI due to accident :
a) Educational grant of Rs. 50,000/- each to two children below 25
years who continue their education.
b) Marriage grant : Rs. 50,000/- each for two unmarried daughters.
- To and Fro
airfare to India in case of death due to accident of his/her
spouse or children subject to a limit of
Rs. 50,000/- once
during the policy period.
Key benefits of KUDUMBA AROGYA
- Hospitalisation
treatment in any 15 bed hospitals in India and for C class
cities, the number of beds will be reduced to 10.
- Hospitalisation
for a minimum period of 24 hours is admissible.
- For defined
major diseases, airfare to India from country of employment is
payable.
Key benefits of PRAVASI VANITHA SURAKSHA SCHEME
- Permanent
partial disablement and temporary total disablement due to
accident upto a maximum of Indian Rs. 2,50,000/-
Compensation
payable for permanent disability as a percentage of the
Capital Sum Insure of RS. 2,50,000/- depending
upon the type
of disability. Eg.:
|
|
|
Percentage
of Rs. 2,50,000 |
| 1 |
Loss
of toes |
-all |
20% |
| 2 |
Loss
of hearing |
both ears |
75% |
| 3 |
Loss
of four fingers |
|
35% |
| 4 |
Loss
of index finger |
|
10% |
| 5 |
Loss
of middle finger |
|
6% |
|
And
so on ----------------- |
|
|
- Death due to
female-related occurrences such as complications arising out
of childbirth, caesarian operations etc.
provided such death
occurs within 7 days from the date of the event. The coverage
is Rs. 50,000/-
- Snatching of
Jewellery : Snatching of jewellery while being worn on the
person of the Insured whilst travelling in a public
place
anywhere in the world upto a sum not exceeding Rs.50, 000/-
- Loss of
personal baggage upto an amount not exceeding Rs. 25,000/- for
loss, destruction or damage by accident or
misfortune during
travel.
- Legal expenses
due to work related harassment upto a maximum of Rs. 50,000/-
is reimbursable to the Insured for
protecting herself against
personal harassment at the work place. Such expenses and
necessity thereof shall be
certified by the respective Indian
Embassy.
Pricing
PRAVASI
SURAKSHA
|
One
time premium for 5 years (Capital Sum Insured IRS
|
|
500,000)
PS
|
|
NRI |
Spouse |
Child |
|
Rs.
990/- |
Rs.
660/990 |
Rs.
500/- |
|
Dhs.
85/- |
Dhs.
60/- |
Dhs.
45/- |
|
US$
23.50 |
US$
16.50 |
US$
12.50 |
|
|
PS
(Capital Sum Insured IRS. 10,00,000)
|
|
|
|
NRI |
Spouse |
Child |
|
Rs.
1600/- |
Rs.
990/1600* |
Rs.
650/- |
|
Dhs.
140/- |
Dhs.
85/- |
Dhs.
60 |
|
Us$
38.50 |
US$
23.50 / 38.50 |
US$
16.50 |
|
| Benefit
following accident (in Indian Rupees) |
|
|
NRI |
Spouse |
Child |
| 1.
Permanent Total Disability |
500,000 |
250,000 |
125,000 |
| 2.
Loss of eye or one limb |
250,000 |
125,000 |
62,500 |
| 3.
Loss of 2 limbs & 2 eyes or |
|
|
|
|
one limb and one eye |
500,000 |
250,000 |
125,000 |
| 4.
Death |
500,000 |
250,000 |
125,000 |
|
|
NRI |
Spouse |
Child |
|
100,00,00 |
500,000 |
250,000 |
|
5000,00 |
250,000 |
125,000 |
|
|
|
|
|
100,00,00 |
500,000 |
250,000 |
|
100,00,00 |
500,000 |
250,000 |
|
*
: If spouse is also employed abroad, both can opt for the
same sum insured.
| 5.
Repatriation charges of body (death due to illness
or accident) |
|
|
including airfare for an accompanying person |
Rs.
50,000/- |
| 6.
In case of death due to accident of NRI |
|
|
a) Education Grant for two children |
Rs.
50,000/- each |
|
b) Marriage Grant for two unmarried daughters |
Rs.
50,000/- each |
| 7.
To and Fro airfare for NRI to attend last rites in
the event of |
|
|
death of spouse or any children due to accident |
Rs.
50,000/- |
|
KUDUMBA
AROGYA
| Hospitalisation
expenses available to NRI (and family) for 5 years either
jointly or individually including airfare to India for
treatment of major ailments / grievous injury |
| KA-I |
KA-II |
| Rs.
1,00,000/- |
Rs.
2,00,000/- |
|
| ONE
TIME PREMIUM PAYABLE AT INCEPTION |
|
|
KA-I
|
|
|
KA-II
|
|
|
|
|
|
|
|
|
|
|
|
Indian |
UAE |
US |
Indian |
UAE |
US |
|
|
Rupees |
Dirhams |
Dollars |
Rupees |
Dirhams |
Dollars |
|
|
|
|
|
|
|
|
| 1.
NRI alone |
|
1500/- |
130 |
35.65 |
2925 |
255 |
70.00 |
| 2.
Second member (NRI + Spouse or one child) |
|
+
450/- |
+
40 |
+
11.00 |
+
875/- |
+
75 |
+
20.55 |
| 3.
Third member (NRI+ Spouse + one child) |
|
+
300/- |
+
30 |
+ 8.25 |
+
590/- |
+
55 |
+
15.05 |
| 4.
Fourth member (NRI + Spouse + 2 children) |
|
+
250/- |
+
22 |
+ 6.00 |
+
490/- |
+
42 |
+
11.50 |
| 5.
Child exceeding two nos. |
|
+
250/- each |
+
22 each |
+ 6.00
each |
+
490 each |
+
42 each |
+
11.50 each |
| 6.
Parents below 70 years (if NRI is married, spouse
and children must be included) |
|
+
650/- |
+
60 |
+ 16.50 |
+1270/- |
+
110 |
+
30.15 |
|
PS cover alone
can be availed by NRI. But it is compulsory that atleast NRI is a
member of PS to join KA. NRI has to join both the
schemes to
enroll family members under KA.
PRAVASI
VANITHA SURAKSHA SCHEME
| One
time Premium for 5 years |
Dhs.
75/-
|
Note : Figures in
UAE Dirhams and US Dollars are subject to change due to
fluctuation of Indian Rupee against these currencies.
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