A 100% sum assured would be liable to victims of accidents that result in death or permanent disablement, as per the draft guidelines whereas partial disablements would have different predetermined caps for reimbursements. The policy period has been kept as one year.source https://economictimes.indiatimes.com/industry/banking/finance/insure/after-health-and-life-now-a-standardised-personal-accident-insurance-cover-in-the-work-by-irdai/articleshow/79645887.cms
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