Personal Accident Policy covers, in the event of the person sustaining bodily injuries resulting solely and directly from an accident caused by EXTERNAL, VIOLENT & VISIBLE means , resulting into death or disablement.   An accident may be due to: • Rail / Road / Air Accident. • Injury due to any collision/fall. • Injury due to Bursting of gas cylinder. • Snake-bite, Frost bite/Dog bite. • Burn Injury, Drowning, Poisoning etc.   These are only examples and not an exhaustive list of type of accidents.   •  Scope of cover : Personal Accidental policy covers accidental death, loss of limbs, permanent total and partial disablement as selected and granted by the insurance companies based on the underwriting norms.   Age limits under personal accident cover : This Policy covers who are between the age of 5 and 70 years (Male & Female). In case of Family Package covers, the age of children should be between 5 to 19 years. The age ceiling of 70 years can be relaxed in special conditions subject to suitable premium loading. Personal Accident  policy Covers WORLDWIDE however, claims, if any, will be paid in Indian currency only.