Coverages under PMU

Coverages under PMU

Permanent Medical Unfitness 

The beneficiary is covered up to the sum insured in case of a PMU claim. 
The sum insured would be the total of your base cover as well as any top-up that you may have taken 

Paraphrasing the actual terms and conditions of the policy below - 

SEC C -100% OF THE MAX SUM INSURED (OF EACH SUM INSURED PERSON) SEC D -75% OF THE MAX SUM INSURED (OF EACH SUM INSURED PERSON)
SEC E -18% OF THE MAX.SUM INSURED (OF EACH SUM INSURED PERSON)

SECTION    C:
A Benefit as stated in the' schedule in the case of the loss of the Licence and or the certificate caused aforesaid by bodily
injury or illness (other than a classified illness) if the insured person is unlikely in the future to be able to follow any occupation alternative to that stated in the schedule.
SECTION   D :
A Benefit as stated in the schedule in the case of loss Licence and /or certificate caused as aforesaid by bodily injury of
illness (other than a classified illness ) if the insured person is likely in the future to be able to follow an occupation alternative to that stated in the schedule.
SECTION     E:
A Benefit as stated in the schedule in the case of the loss of the Licence and /or certificate caused as the aforesaid by a
classified illness.


For the purpose of settlement of claims under the policy, the following definitions as narrated in the policy schedule are reproduced as below 

NOW IT IS HEREBY AGREED: that if the Insured person during the Said period of Insurance shall suffer bodily injury or
illness or classified illness and such bodily injury or illness or classified illness shall be the sole and direct cause whereby during or after the said Period of Insurance (but not beyond a period of twelve months after the expiry of the said period of Insurance:-)
1) The insured person sh_all be disabled from carrying on his said occupation pursuant to the Licence and the Certificate
but neither the Licence nor the Certificate shall have been lost to him OR,
2) There shall be imposed at any time whether by endorsement upon the Licence or the Certificate or otherwise any
special limitation on or in connection with the exercise of the privileges conferred by the Licence and/or the'Certificate such imposition involving loss of income to the Insured Person OR.,
3) The Licence and/or the Certificate shall be lost to the Insured Person then the insured shall be subject to the terms
conditions, provisions and exclusions of the policy becom·e entitled to the payment by the company of such as may be appropriate of the sums shown in the Table of Benefits hereinafter contained.
DEFINITIONS
'Bodily injury' means bodily injury(directed solely and independently of any other cause) caused by violent accidental
external and visible means and includes (a) illness solely and directly caused by such bodily injury and (b) the results of exposure to the elements after any accident or mishap but does not include any other illness.
'Illness' means any illness (not falling within the aforesaid definition of bodily injury) and in includes senile degenerative
changes but not a classified illness as hereinafter defined.
A 'Classified illness' means an illness as hereinbefore defined but which (a) is in its nature or in origin psychotic psycho­
n.eurotic epileptic epilptiform appleptogenic aplleptogenous or appleptold or (b) is of such nature as to be incapable of diagnosis by objective evidence or which though capable of diagnosis by such evidence has not been diagnosed by objective
evidence.
A 'Loss of a Licence or a Certificate ' means a deprivation of such Licence or certificate in such circumstances that the
insured person is unlikely by reason or bodily injury or illness (whether or not classified illness ) to obtain or restoration of such Licence or Certificate and 'loss' or any conjunction thereof as a corresponding meaning .
'Loss of income ' means a loss ascertained after taking into account surtax. Income tax , gratuated pension contribution,
pension fund contributions, national Insurance contributions and all other deductions of a like nature.
The 'insured person' shall where the context admits include the insured person and his personal representatives.

Interpretations ansd Explanations 



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