{"uin":"IRDAN134CP0011V01201112","name":"Aviation Personal Accident (Crew Members)Insurance Policy","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-insurance"},"line":"general","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Aviation Personal Accident (Crew Members) Insurance Policy covers accidental bodily injury causing death or disablement for pilots, navigators, aircraft flight engineers, aircraft flight technicians and other crew members. The cover options are Basic Cover, Wider Cover and Comprehensive Cover, and the geographical scope is worldwide with claims settled in India in Indian rupees.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:31:31.783487+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Basic Cover- Death only","Wider Cover-Death +Permanent Total Disability +Permanent Partial Disability","Comprehensive Cover-Death +Permanent Total Disability +Permanent Partial Disability+ Temporary Total Disability"],"display":"Basic Cover, Wider Cover, Comprehensive Cover","note":null,"quote":"The scope of cover shall depend on the benefit (as given below) selected by the Insured and as described in the Schedule.\n(A) Basic Cover- Death only. (B) Wider Cover-Death +Permanent Total Disability +Permanent Partial Disability. (C) Comprehensive Cover-Death +Permanent Total Disability +Permanent Partial Disability+ Temporary Total Disability.","sources":[{"clause":"14","heading":"Medical Practitioner: Person holding a Medical degree of a recognised institution","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording points to the Policy Schedule for the Period of Insurance but prints no fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must give notice to the call centre immediately and also intimate the policy issuing office in writing. In death claims, written notice must be given before internment/cremation unless reasonable cause is shown and in any case within one calendar month after death; loss of sight or amputation must also be notified in writing within one calendar month.","display":"Immediately; death before internment/cremation and within one calendar month; loss of sight or amputation within one calendar month","note":null,"quote":"The Insured shall give the Company a notice to their call centre immediately and also intimate in writing to the Company’s Policy issuing office. ... In case of death, written notice also of death must, unless reasonable cause is shown, be given before internment/ cremation and in any case, within one calendar month after the death, and in the event of loss of sight or amputation of limbs, written notice thereof must also be given within one calendar month after such loss of sight or amputation.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-general-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form duly filled in & signed.","Statement of Wages","Attendance proof Roll","Death certificate","Post Mortem report","FIR copy/Final report","Panchnama","All medical papers","Attested copy of statements of witness, if any lodged with police authorities (if any)","Photographs if possible, as per incidence of claim","Certificate confirming relationship between employee and employer","Confirmation- Accident during employment and in the course of employment","Investigation Report"],"display":"Claim form, wage and attendance proof, death and medical papers, police records, photographs, employer relationship and accident confirmation, investigation report","note":null,"quote":"Indicative requirements are as below.\ni) Claim Form duly filled in & signed.\nii) Statement of Wages\niii) Attendance proof Roll\niv) Death certificate\nv) Post Mortem report\nvi) FIR copy/Final report\nvii) Panchnama\nviii) All medical papers\nix) Attested copy of statements of witness, if any lodged with police authorities (if any)\nx) Photographs if possible, as per incidence of claim\nxi) Certificate confirming relationship between employee and employer\nxii) Confirmation- Accident during employment and in the course of employment\nxiii) Investigation Report","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-general-conditions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The wording describes processing after documents and the final surveyor report but does not print a fixed time for deciding or paying a claim.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Compensation under more than one of the benefits mentioned in Table of Benefits in respect of same period of disablement.","Any other payment after a claim under one of the benefits 1,2,3 and 4 in Table of Benefits has been admitted and becomes payable.","Any payment in case of more than one claim under this Policy during any one Period of Insurance by which the liability of the Company in that period would exceed CSI.","Committing or attempting suicide, intentional self-injury.","Whilst under influence of intoxicating liquor or drugs.","Drug addiction or alcoholism.","Aerobatics.","Experimental flying.","Racing or rallies.","Record attempts.","Speed trials.","Hunting, shooting or herding.","Any other form of flying which involves abnormal flying.","Whilst engaged in any adventurous sports.","Committing any breach of law with criminal intent."],"display":"More than one benefit for the same disablement period, payments exceeding CSI, suicide/self-injury, intoxication or drugs, aerobatics, experimental or abnormal flying, racing, record attempts, speed trials, hunting, adventurous sports and breach of law","note":null,"quote":"EXCLUSIONS:\nThe Company shall not be liable under this Policy for:\ni) Compensation under more than one of the benefits mentioned in Table of Benefits in respect of same period of disablement.\nii) Any other payment after a claim under one of the benefits 1,2,3 and 4 in Table of Benefits has been admitted and becomes payable.\niii) Any payment in case of more than one claim under this Policy during any one Period of Insurance by which the liability of the Company in that period would exceed CSI. ... iv) Payment of compensation in respect of injury as a consequence of/resulting from\na) Committing or attempting suicide, intentional self-injury.\nb) Whilst under influence of intoxicating liquor or drugs.\nc) Drug addiction or alcoholism.\nd) Aerobatics.\ne) Experimental flying.\nf) Racing or rallies.\ng) Record attempts.\nh) Speed trials.\ni) Hunting, shooting or herding.\nj) Any other form of flying which involves abnormal flying.\nk) Whilst engaged in any adventurous sports.\nl) Committing any breach of law with criminal intent.","sources":[{"clause":"14(b)(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14-b-iii"},{"clause":"14(b)(iv)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14-b-iv"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First write to Customer Service at Universal Sompo General Insurance Co. Ltd. or email grievance@universalsompo.com, or visit a branch Grievance Redressal Officer. If not satisfied with that decision/resolution or no response is received, write or email/mail to Customer Service at GRO@universalsompo.com.","display":"Customer Service at grievance@universalsompo.com or branch GRO; then Customer Service at GRO@universalsompo.com","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows:\nResolving Issue Write to :\nCustomer Service Universal Sompo General Insurance Co. Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email: grievance@universalsompo.com For More details, visit – www.universalsompo.com\nVisit Branch Grievance Redressal Officer (GRO) - Walk into any of our nearest branches and request to meet the GRO. ... In case, the customer is not satisfied with the decision/resolution of the above office or have not received any response, he/she may write or email/mail to:\nCustomer Service Universal Sompo General Insurance Co. Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email ID: GRO@universalsompo.com","sources":[{"clause":null,"heading":"10. Grievances","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-10-grievances"},{"clause":null,"heading":"Grievance Redressal Officer","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-grievance-redressal-officer"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["bodily injury resulting in the death or disablement caused to the Insured person in an accident","Accidental Death","Permanent Total Disability","Permanent Partial Disability","Temporary Total Disability"],"display":"Accidental bodily injury causing death or disablement; selected cover may include accidental death, permanent total disability, permanent partial disability and temporary total disability","note":"Temporary Total Disability is included only under Comprehensive Cover.","quote":"The Company will indemnify the Insured for a claim arising out of bodily injury resulting in the death or disablement caused to the Insured person in an accident as per the Table of Benefits.\nThe scope of cover shall depend on the benefit (as given below) selected by the Insured and as described in the Schedule.\n(A) Basic Cover- Death only. (B) Wider Cover-Death +Permanent Total Disability +Permanent Partial Disability. (C) Comprehensive Cover-Death +Permanent Total Disability +Permanent Partial Disability+ Temporary Total Disability.","sources":[{"clause":"14","heading":"Medical Practitioner: Person holding a Medical degree of a recognised institution","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"No deductible or excess amount is printed in the clauses provided.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel by written notice. Retention premium is 25% of annual premium up to 1 month, 50% above 1 month and up to 3 months, 75% above 3 months and up to 6 months, and 100% above 6 months; the balance is refunded if no claim has been preferred.","display":"Short-period refund: 25% retained up to 1 month, 50% up to 3 months, 75% up to 6 months, 100% above 6 months; no claim condition","note":null,"quote":"The Insured may cancel this Policy by sending a written notice to the Company. Retention premium for the period they were on risk will be calculated based on following short period table and the balance will be refunded to the Insured subject to the condition that no claim has been preferred on the Company:\nUpto 1 month | 25% of annual premium\nAbove 1 month and upto 3 months | 50% of annual premium\nAbove 3 months and upto 6 months | 75% of annual premium\nAbove 6 months | 100% of annual premium","sources":[{"clause":null,"heading":"4. Cancellation","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-4-cancellation"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The geographical scope is worldwide, but claims are settled in India in Indian rupees.","display":"WORLDWIDE; claims settled in India in Indian rupees","note":null,"quote":"The geographical scope of this Policy will be WORLDWIDE, however the claims shall be settled in India in Indian rupees.","sources":[{"clause":null,"heading":"8. Jurisdiction","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-8-jurisdiction"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"Accidental Death pays 100% of the Capital Sum Insured.","display":"Accidental Death: 100% of Capital Sum Insured","note":null,"quote":"The Company shall pay to the Insured person or his/her legal personal representative/ assignee the compensation set forth in Table of Benefits (as percentage of Capital Sum Insured)\nTABLE OF BENEFITS | PERCENTAGE OF CAPITAL SUM INSURED\n1. Accidental Death | 100","sources":[{"clause":"14","heading":"Medical Practitioner: Person holding a Medical degree of a recognised institution","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"Permanent Total Disability pays 100% of the Capital Sum Insured for loss of sight of both eyes, loss of two limbs, loss of one limb and one eye, or permanent total and absolute disablement as certified by a Medical Practitioner.","display":"Permanent Total Disability: 100% for both eyes, two limbs, one limb and one eye, or permanent total and absolute disablement","note":null,"quote":"The Company shall pay to the Insured person or his/her legal personal representative/ assignee the compensation set forth in Table of Benefits (as percentage of Capital Sum Insured)\nTABLE OF BENEFITS | PERCENTAGE OF CAPITAL SUM INSURED ... 2. Permanent Total Disability: a) Loss of sight (both eyes) b) Loss of two limbs c) Loss of one limb and one eye d) Permanent Total and absolute disablement as certified by Medical Practitioner. | 100 100 100 100","sources":[{"clause":"14","heading":"Medical Practitioner: Person holding a Medical degree of a recognised institution","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"quote-verified","value":"Permanent Partial Disability pays the stated percentage of Capital Sum Insured: one eye 50%, one limb 50%, all toes 20%, great toe both phalanges 5%, great toe one phalanx 2%, other toes 1% each, hearing both ears 50%, one ear 15%, speech 50%, four fingers and thumb 40%, four fingers 35%, thumb 25% or 10%, index finger 10%/8%/4%, middle finger 6%/4%/2%, ring finger 5%/4%/2%, little finger 4%/3%/2%, metacarpals 3% or 2%, and any other permanent partial disablement as assessed by the Company-appointed Medical Practitioner.","display":"Permanent Partial Disability: table percentages from 1% to 50% of Capital Sum Insured depending on loss","note":null,"quote":"The Company shall pay to the Insured person or his/her legal personal representative/ assignee the compensation set forth in Table of Benefits (as percentage of Capital Sum Insured)\nTABLE OF BENEFITS | PERCENTAGE OF CAPITAL SUM INSURED ... 3. Permanent Partial Disability\na) Loss of sight of one eye 50\nb) Loss of one limb 50 . c) Loss of toes-all 20\nd) Great-both phalanges 5\ne) Great-one phalanx 2\nf) Other than great, if more than one toe lost each 1\ng) Loss of hearing – both ears 50\nh) Loss of hearing – one ear 15 ... i) Loss of Speech 50\nj) Loss of four fingers and thumb of one hand 40\nk) Loss of four fingers 35\nl) Loss of thumb-both phalanges 25\nm) Loss of thumb-one phalanx 10\nn) Loss of index finger\ni)Three phalanges 10 ... ii) Two phalanges 8 ... iii) One phalanx 4\no)Loss of middle finger\ni) Three phalanges 6\nii) Two phalanges 4\niii) One phalanx 2\np) Loss of ring finger\ni)Three phalanges 5\nii)Two phalanges 4\niii)One phalanx 2\nq) Loss of little finger\ni)Three phalanges 4\nii)Two phalanges 3\niii)One phalanx 2\nr) Loss of Metacarpals\ni) First or second (additional) 3\nii)Third, fourth or fifth (additional) 2\ns) Any other Permanent Partial Disablement % as assessed by Medical Practitioner appointed by the Company.","sources":[{"clause":"14","heading":"Medical Practitioner: Person holding a Medical degree of a recognised institution","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14"},{"clause":"14(b)(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14-b-i"},{"clause":"14(b)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14-b-ii"},{"clause":"14(b)(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14-b-iii"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"Temporary Total Disablement benefit is paid at 1% of C.S.I or Rs10,000 per week, whichever is lower, for a maximum of 104 weeks.","display":"1% of C.S.I or Rs10,000 per week, whichever is lower, for 104 weeks max","note":"Temporary Total Disability is part of Comprehensive Cover.","quote":"(C) Comprehensive Cover-Death +Permanent Total Disability +Permanent Partial Disability+ Temporary Total Disability. ... 4. Temporary Total Disablement benefit at the rate per week | 1% of C.S.I or Rs10,000 whichever is lower for 104 weeks max,","sources":[{"clause":"14","heading":"Medical Practitioner: Person holding a Medical degree of a recognised institution","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14"},{"clause":"14(b)(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14-b-iii"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Curative treatments or interventions are excluded.","display":"Excluded: Curative treatments or interventions","note":null,"quote":"viii) Curative treatments or interventions.","sources":[{"clause":"14(b)(iv)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-14-b-iv"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The policy is for pilots, navigators, aircraft flight engineers, aircraft flight technicians and other crew members. Changes in duty, business or occupation must be intimated to the insurer in writing and written approval obtained.","display":"For pilots, navigators, aircraft flight engineers, aircraft flight technicians and other crew members; occupation changes require written intimation and approval","note":null,"quote":"(For Pilots, Navigators, Aircraft Flight Engineers, Aircraft Flight Technicians & other Crew Members) ... Non-disclosure shall include failure on the part of the Insured to intimate the Company in writing and obtaining written approval from them in respect of Changes in Circumstances arising out of changes in the duty, business, occupation of the Insured person(s).","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-s1"},{"clause":null,"heading":"GENERAL CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650#c-general-conditions"}],"law":[]}],"documents":[{"kind":"wording","label":"Aviation Personal Accident (Crew Members)Insurance Policy - Policy Wordings","pages":12,"fetched_at":"2026-10-17 20:11:45+00","source_url":"https://www.universalsompo.com/assets/file/aviation-personal-accident-policy/aviation-personal-accident-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17650"},{"kind":"prospectus","label":"Aviation Personal Accident (Crew Members)Insurance Policy - Prospectus / Brochure","pages":9,"fetched_at":"2026-10-17 20:11:34+00","source_url":"https://www.universalsompo.com/assets/file/aviation-personal-accident-policy/aviation-personal-accident-policy-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112/document/17647"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.universalsompo.com/resourse-grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew now","url":"https://www.universalsompo.com/renew-now/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Aviation Personal Accident (Crew Members)Insurance Policy (UIN IRDAN134CP0011V01201112), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/aviation-personal-accident-crew-members-insurance-policy-irdan134cp0011v01201112"}