Astha
Permanent Disability & Accidental Benefit (PDAB)
Due to accident, if within 90 days from the date of occurrence an insured suffered from disablement caused directly by an accident caused through external, violent and visible in nature the Astha Life Insurance Company Limited shall pay to the insured as per term and conditions of the contract.
What is PDAB?
PDAB is a rider benefit that you can add to your base policy at a nominal extra cost. It covers the following scenarios:
Permanent Total Disability (PTD):
If you suffer from a permanent total disability due to an accident, you will receive 100% of the rider sum assured as a lump sum payment.
Permanent Partial Disability (PPD):
If you suffer from a permanent partial disability due to an accident, you will receive a percentage of the rider sum assured based on the extent of your disability.
Feature & Benefit
If you suffer from a permanent total disability due to an accident, you will receive 100% of the rider sum assured as a lump sum payment. Total & Permanent Disability is assumed if-
| Name of Accidental PTD | Type of Accidental PTD | Benefit Payable |
| Loss of Sight | Permanent and complete loss of sight in both eyes | 100 % of 1x SA |
| Loss of Hands | Permanent and complete loss of both hands above the wrist. | 100 % of 1x SA |
| Loss of Feet | Permanent and complete loss of feet above the ankle. | 100 % of 1x SA |
| Loss of Hand and Foot | Permanent and complete loss of one hand above the wrist and one foot above the ankle | 100 % of 1x SA |
If you suffer from a permanent partial disability due to an accident, you will receive 3 - 50% of the rider sum assured as a lump sum payment.
Permanent partial disability is assumed if-
| Sl. | Name of Permanent Partial Disability (PPD) | Type of Permanent Partial Disability (PPD) | Percentage of Individual Life Insurance Amount | |
| a. | Loss of Eye | i. | Loss of any one of eyesight | 50% |
| b. | Loss of Hearing | i. | Complete deafness of both ears of traumatic origin | 40% |
| ii. | Complete deafness of any one ear | 10% | ||
| c. | Loss of Jaw | i. | Removal of the lower jaw | 25% |
| d. | Loss of Hand | i. | Loss of any one hand above the wrist | 50% |
| ii. | Considerable loss of osseous substance of any one arm | 25% | ||
| e. | Loss of Finger | i. | Total amputation of four fingers including the thumb | 25% |
| f. | Loss of Leg | i. | Total amputation of any one thumb only | 20% |
| ii. | Total amputation of any one index finger only | 15% | ||
| iii. | Total amputation of the middle finger only | 10% | ||
| iv. | Total amputation of ring finger only | 8% | ||
| v. | Total amputation of the little finger only | 7% | ||
| g. | Loss of HIP | i. | Loss of HIP | 20 % |
| h. | Loss of Toe | i. | Total amputation of four toes including great (big) toe | 20% |
| ii. | Total amputation of the great (big) toe | 10% | ||
| iii. | Total amputation of any toe other than the great (big) toe | 3% |
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