Understanding the Benefits of Burn Features in Personal Accident Policies

Some benefits of insurance plans are very complex, which is very important to understand, an integral business practice is also necessary for insurance managers and intermediaries, and also for the customer to be well aware of how much, how and how much he will get.

Some sub-limits are also applicable in some optional covers of Personal Accident Policy which also includes the features of Burn Benefit. In which there is some pre-defined % that is based on the sum insured of the Burn Benefit and not on the base sum insured of the policy, These benefits table are following:-

Nature of Burn

Sr.No.	Head	Percentage of Limit for Burns Benefit payable
1	Third-degree burns of 8% or more of the total head surface area	100%
2	Second-degree burns of 8% or more of the total head surface area	50%
3	Third-degree burns of 5% or more, but less than 8% of the total head surface area	80%
4	Second-degree burns of 5% or more, but less than 8% of the total head surface area	40%
5	Third-degree burns of 2% or more, but less than 5% of the total head surface area	60%
6	Second-degree burns of 2% or more, but less than 5% of the total head surface area	30%
Sr.No.	Rest of the Body	Percentage of Limit for Burns Benefit payable
1	Third-degree burns of 20% or more of the total body surface area	100%
2	Second-degree burns of 20% or more of the total body surface area	50%
3	Second-degree burns of 15% or more, but less than 20% of the total body surface area	80%
4	Second degree burns of 15% or more, but less than 20% of the total body surface area	40%
5	Third-degree burns of 5% or more, but less than 10% of the total body surface area	60%
6	Third-degree burns of 10% or more, but less than 15% of the total body surface area	30%
7	Second-degree burns of 5% or more, but less than 10% of the total body surface area	20%
8	Second degree burns of 5% or more, but less than 10% of the total body surface area	10%