Insurance Schemes
Who can enroll for PRAVASI SURAKSHA?
Any Non-Resident Indian; and along with him/her
Spouse of the NRI even if he/she is resident in India
Children of the NRI even if they are resident in India.
Key Benefits of PRAVASI SURAKSHA
Covers Death due to the accident, P.T.D (Permanent Total Disability) due to the 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 up to 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 the 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 an accident of his/her spouse or children subject to a limit of Rs. 50,000/- once during the policy period.
Pricing
PRAVASI SURAKSHA
One time premium for 5 years (Capital Sum Insured IRS 500,000) PS
|
NRI |
Spouse |
Child |
NRI |
Spouse |
Child |
| Rs. 990/- | Rs. 660/990 |
Rs. 500/- |
100,00,00 |
500,000 |
250,000 |
|
Dhs. 85/- |
Dhs. 60/- |
Dhs. 45/- |
5000,00 |
250,000 |
125,000 |
|
US$ 23.50 |
US$ 16.50 |
US$ 12.50 |
100,00,00 |
500,000 |
250,000 |
Benefit following an accident (in Indian Rupees)
|
|
NRI |
Spouse |
Child |
|
Permanent Total Disability |
500,000 |
250,000 |
125,000 |
|
Loss of 2 limbs & 2 eyes or one limb and one eye |
500,000 |
250,000 |
125,000 |
|
Loss of an eye or one limb |
250,000 |
125,000 |
62,500 |
|
Death |
500,000 |
250,000 |
125,000 |
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 |
* : If a spouse is also employed abroad, both can opt for the same sum insured.
Repatriation charges of the body (death due to illness or accident)
including airfare for an accompanying person Rs. 50,000/-
In case of death due to an accident of NRI
a) Education Grant for two children Rs. 50,000/- each
b) Marriage Grant for two unmarried daughters Rs. 50,000/- each
To and Fro airfare for NRI to attend last rites in the event of Death of a spouse or any children due to accident Rs. 50,000/-
Note: Figures in UAE Dirhams and US Dollars are subject to change due to the fluctuation of Indian Rupee against these currencies.
