Bombay Chartered Accountants' Society

Sr. No	Offering - Motor	USGI	Market Availability / Comparison
1	Nil Depreciation claims	Unlimited Claims	Maximum 2 - Nil Dep claims Allowed
2	RAT bite claims	Covered without Additional premium	Covered with Additional premium – as Add on coverage
3	Windshield Repair	Available at Door-Step in Metro & Tier 1 cities	No Such details available
4	Preferred Network Garages	6 months repair warranty	No Such details available
5	Claim Settlement	No Paper work required	Different for Insurer to Insurer
6	Cashless Claims / Reimbursement claims	Settlement within 24 hrs	Different for Insurer to Insurer
7	Premiums	Discount Flat -78% (Non-OEM vehicles)	Discount up to 75% (Non-OEM vehicles)

Coverage Motor

Accidental External means

Fire, Explosion, Self ignition or lightning

Burglary, or theft , Riot , Strike

Earthquake (Fire and Shock Damage)

Flood, typhoon, hurricane, storm, tempest, cyclone, inundation, hailstorm, frost;

Malicious Act /Terrorist activity /Landslide/rockslide

COMPULSORY INSURANCE cover

Death or bodily injury of any person Death or bodily injury of any person

Damage to any property of third party Damage to any property of third party

Personal Accident cover

Compensation for bodily injury or death sustained by owner-driver of the vehicle, indirect connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured as per Scale of Compensation

Exclusions Specific

Consequential Loss, depreciation, wear and tear

Failure or breakage

Mechanical or electrical breakdown

Damage to tyres and tubes unless vehicle is damaged at the same time –Liability of the company shall be limited to 50% of the cost of replacement

Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen

Any Accidental loss or damage suffered when the insured is under the influence of intoxicating liquor or drug

Damage by a person driving without a valid license

Exclusion - General

Any accidental loss or damage or liability sustained outside India

Any claim arising out of Contractual Liability

Loss or damage due to use of vehicle beyond its scope of use (‘Limitations as to use’)

Loss or damage due to consequential loss

Loss or damage due to ionising radiations or contamination by radioactivity from nuclear fuel etc.

Loss or damage due to nuclear weapons materials

Loss or damage due to war, invasion, act of foreignenemies, hostilities or warlike operations, civil war, mutiny, rebellion, military or usurped power.

Group Super Top Up Policy	USGI -Coverage	Market Availability / Comparison
Eligibility	Only for BCA- members
Policy type	Family Floater	Individuals / Family floater
Deductible	3 lac & 5 Lac	Variable
Sum insured flat	10 Lac & 15 Lac	Variable
Family definition	Self +Spouse + 2 Children (<25yrs)	Self +Spouse +2 Child (<21yrs)
Age of Applicant	18 yrs. to 65yrs	offered up to 65yrs
Medical Check ups	No Medical check ups required	Medical check ups required based on plan & health conditions
Pre existing diseases	Covered after 2 yrs.	Covered after 4 yrs.
Day care treatment	547 covered	200-400 covered
Organ transplant	covered up to SI	Variable
Domiciliary Hospitalization	covered up to SI	Variable
Ambulance	covered	Variable
Cashless Cover	in 5000+ Hospitals	Variable
Premium
Flat premium up to 65 yrs	5000/- for 10 Lac SI	12000 for 10 Lac S
	7000/- for 15 Lac SI	13000 for 15 lac SI
Tax Benefit	Yes	Yes

Exclusions Specific to Super top Up

First 30 days from inception

First 2 yrs for Pre-existing diseases

First 2 yrs for specific diseases like - cataract / polyps /ulcer / hysterectomy / gall stones etc.

Medical Expenses in excess of deductible stated in the Policy Schedule on per year basis. (for e.g. 3 Lac & 5 Lac)

Exclusion - General

Any Medical expenses incurred outside India

Suicide or attempted Suicide, intentional self-inflicted injury, acts of self- destruction whether the Insured Person is medically sane or insane

Congenital external defects or anomalies or in consequence thereof.

Loss or damage due to consequential loss

Loss or damage due to ionizing radiations or contamination by radioactivity from nuclear fuel etc. & Loss or damage due to nuclear weapons materials

Loss or damage due to war, invasion, act of foreign enemies, hostilities or warlike operations, civil war, mutiny, rebellion, military or usurped power.

Pregnancy or childbirth or any consequence thereof

expenses incurred only for Investigation & Evaluation

Rest Cure, Rehabilitation and Respite Care

Obesity/ Weight Control unless medically required

Change-of-Gender Treatments & Sterility and Infertility

Cosmetic or plastic Surgery, unless required after accidental injury

Hazardous or Adventure sports

Breach of law /Unproven Treatments

Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.

OPD expenses

Group Personal Accident	USGI - Coverage	Market Availability / Comparison
Eligibility	Only for BCA- members
Policy type	Individuals	Individuals / Family floater
Age	18 yrs to 75yrs	offered up to 60 or 65yrs
Sum Insured Fixed	15 Lacs & 20 Lacs (Not Linked with Income)	Linked with Income status
Covers	Accidental Death -100% Sum Insured
Add ons covers	Transportation cost for carriage of dead body to Home including funeral Expenses- Rs 2500	Linked with Income status
Premium
15 Lac Sum Insured	Rs 355/-
20 Lac Sum insured	Rs 475/-

General Exclusion

Disease, illness, sickness, ill-health, infection and ailment of all kinds unless proximately caused by accident

Suicide or attempted Suicide, intentional self-inflicted injury, acts of self- destruction whether the Insured Person is medically sane or insane

Any Pre-existing condition or any complication arising from the same.

Pregnancy or childbirth or any consequence thereof

Consequential losses of any kind or actual or alleged legal liability

Foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country during war or at peace time), participation in any naval, military or air-force operation, civil war, public defense, rebellion, revolution, insurrection, military or usurped power.

Medical or surgical treatment except as necessary solely and directly as a result of an Accident.

The Insured Person committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanour or civil commotion with criminal intent

Use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen

Insured Persons whilst engaging in any Adventure Sports and activities unless otherwise specifically modified by the Policy

Ionizing radiation or contamination by radioactivity from any nuclear fuel Chemical attack or weapons
Biological attack

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