Personal Accident insurance The policy is operational on a 24-hour basis and is usually applicable worldwide. The policy provides for the payment of benefits in case of bodily injury arising out of an accident caused by violent, accidental, external and visible means and resulting in any of the following: Death 100% of the Sum Insured is paid Permanent Total Disablement 100% of the Sum Insured is paid Permanent Partial Disablement A percentage of the Sum Insured is paid Temporary Total Disablement A weekly benefit is paid if the employee is unable to attend to his work Medical Expenses Medical expenses are reimbursed up to the limit of the Sum Insured.