The most beautiful thing about life is the surprises that it brings…
These surprises, however, are not always blessings. For example, Monsoon is awaited all year long but there is always a chance of floods. Similarly, we also look forward to bursting a firecracker or two, on Diwali but sometimes a firecracker misdirects itself, leading to a disaster. In a few words, life has its set of surprises but that does not mean we have to compromise our way of life.
At Suman’s Consultancy, we encourage you to live in the moment and make use of every opportunity without having to worry. Finding happiness in the little things, the clouds that cover almost every inch of the sky, the first smile of a newly born child, the fact that you are alive and well. This is why Suman’s Consultancy’s IPA plan helps you to take care of these surprises that life throws at you, and helps you pave a safe and serene path as you go.
| S.NO | BENEFITS | A.ESSENTIAL | B.ADVANCED | C.ELITE |
|---|---|---|---|---|
| 1 | Accidental Death (AD) | 20L To 1Cr | 1Cr To 2.5Cr | 2.5Cr to 10Cr |
| 2 | Transportation Of Mortal Remains | 25000 | 50000 | 1L |
| 3 | Cremation Ceremony | 25000 | 50000 | 1L |
| 4 | Permanent Total Disablement (PTD) | Up to AD SI | Up to AD SI | Up to AD SI |
| 5 | Permanent Partial Disablement (PPD) | Up to AD SI | Up to AD SI | Up to AD SI |
| 6 | Emergency Road Ambulance Charges | 5,000 | 10,000 | 20,000 |
| 7 | Education Fund | 50,000 | 1L | 2L |
| 8 | Purchase of Blood | 10,000 | 10,000 | 10,000 |
| 9 | Cost of Prosthetics | 20,000 | 50,000 | 1L |
| 10 | Accidental Out-patient Expenses | 5,000 | 5,000 | 10,000 |
| 11 | Accident Hospital Cash | 1,000 for max 15 Days | 3,000 for max 15 Days | 5,000 for max 15 Days |
| 12 | Family Transportation | - | 50,000 | 1L |
| 13 | Modification of Residence/Vehicle | - | 2.5L | 5L |
| 14 | Broken Bones | - | 50,000 | 1L |
| 15 | Burns | - | 15L | 25L |
| 16 | Adventure Sports | - | AD SI | Up to AD SI |
| 17 | Head and Spinal Injury | - | 20,000 | 50,000 |
| 18 | Emergency Air Ambulance Charges | - | 2L | 3L |
| 19 | Education Fund on Disability of Dependent Child | - | 2L | 3L |
| 20 | Pet Care | - | 2,500 for max 15 days | 2,500 for max 15 days |
| 21 | Homemaker Care Allowance | - | 25,000 | 50,000 |
| 22 | Transportation of Imported Medicine | - | - | 20,000 |
| 23 | Multiple Member Disability | - | - | 120% of PTD SI |
| 24 | Coma | - | - | 50L |
| 25 | Carrier | - | - | 1L |
| 26 | Marriage Expenses for Children | - | - | 10L |
| 27 | Elderly care | - | - | 3L |
| 1 | Total Temporary Disablement (TTD) | Up to 5L | Up to 25L | Up to 50L |
| 2 | Accidental In-patient Hospitalisation with Restore Benefit | 1L | 3L | 5L |
| 3 | Loan Secure | Up to AD SI | Up to AD SI | Up to AD SI |
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