GENERAL

1. Group Insurance Scheme by the name of Vidyarthi Suraksha Kavach, in vogue since Aug 2005, has been revised and a Revised Memorandum of Understanding has been signed between AWES and ICICI Lombard General Insurance Company Limited covering the period from 01 Aug 06 to 31 Jul 07. The Group Insurance policy covers the students and employees of Army Schools, Army Professional Colleges and employees of HQ AWES and AWES Cells. The insurance policy is on the name of Army Welfare Education Society and the policy No is 4005/0004425/01.

2. The terms and conditions of the insurance policy have been revised and insured sum would be paid to the insured / nominees in case of death or permanent disability due to accident of the insured.

AIM

3. To lay down the revised terms & conditions and procedures relating to Group Personal Accident Policy, 'Vidyarthi Suraksha Kavach'.

LAYOUT

4. The subject is covered in five parts as under :-

(a) Part - I - Personnel covered under Insurance policy, Premium and duration of policy.

(b) Part - II - Amount payable on death, Permanent total disability / disability due to accident and under Continuing Education Benefit.

(c) Part - III - Procedure for submission of claims.

(d) Part - IV - Exclusions.

(e) Part - V - Miscellaneous aspects.

PART - I : PERSONNEL COVERED UNDER INSURANCE POLICY,
PREMIUM AND DURATION OF POLICY

5. Personnel Covered Under the Insurance Policy. 'Vidyarthi Suraksha Kavach' covers the following personnel for death or disablement due to accident :-

(a) Students of Army Schools / Army Public Schools.

(b) Students of Army Professional Colleges.

(c) Employees of Army Schools and Army Professional Colleges except those on daily wages and outsourced personnel.

(d) Employees of HQ AWES and AWES Cells.

6. Premium. The premium is Rs 5 per month per individual thus making a total of Rs 60/- per individual per annum. The premium has already been paid by HQ AWES to ICICI Lombard for all covered personnel. Army Schools, Army Professional Colleges and AWES Cells are requested to forward the total amount for one year at the rate of Rs 60/- per individual by bank draft drawn in favour of Army Welfare Education Society by 31 Aug 06.

7. Duration. The duration of the insurance scheme is one year on 24 hours basis from 01 Aug 06 to 31 Jul 07 for accidents arising anywhere ie at home, at Schools/ Colleges in public whilst engaging in any occupation, vocational activity and / or travelling by any mode of conveyance directly caused by external visible means in sudden, unforeseen manner. The agreement with ICICI Lombard may be renewed on yearly basis at the time of expiry of policy period on mutually agreed terms and conditions.

8. Continuing Education Benefit. The students of Army Schools / Army Public Schools and Army Professional Colleges are also covered for continuing Education benefit for School / College and examination fees in case of accidental death of the parent / earning member of the family who has been supporting the education of the student either in school or college as the case may be, for the remaining years of school education / existing college course. The limit of compensation for policy period ie 01 Aug 06 to 31 Jul 2007 under continuing education benefit would be Rs 9000/- per student per year payable on pro rata basis for the remaining months of that year with yearly limit of Rs 9000/- per student per year. This would be valid for the entire duration of school education / existing college course as applicable.

PART - II : AMOUNT PAYABLE ON DEATH PERMANENT TOTAL DISABILITY / DISABILITY DUE TO ACCIDENT AND UNDER CONTINUING EDUCATION BENEFIT

9. Amount Payable Under the Insurancy Policy to the Insured.

(a) Accidental Death. Rs five lacs. The capital sum insured will be paid if the death of the insured person is within a period of twelve months from the date of bodily injury and such bodily injury be the sole and the direct cause of death of the insured person.

(b) Permanent Total Disablement. Rs five lacs. If such injury is within twelve months of its occurrence and is the direct cause of total and irrecoverable loss of:-

"Sight of both eyes or Actual loss of physical separation of two entire hands or two entire feet or One entire hand and one entire foot".

(c) Loss of One Limb or One Eye. Rs 2,50,000/-. If such injury is within twelve months of its occurrence and is direct cause of total loss of:-

"Sight of one eye or Actual loss by physical separation of one entire hand
or Actual loss by physical separation of one entire foot or Total irrecoverable loss of use of a hand or a foot without physical separation".

(d) Permanent Partial Diablement (PPD). If such injury shall within twelve calendar months of its occurrence be the sole and direct cause of the total and / or partial irrecoverable loss of use or the actual loss by physical separation of the following then the percentage of the Capital Sum Insured as stated in Part II the amount payable to such Insured Person would be in the manner as indicated below:-

Percentage of Sum Insured

(e) Payment under Continuing Education Benefit. In case of accidental death of a parent or the earning member of the family who has been supporting the child's education, the compensation on account of school / college and examination fees would be payable as under:-

(i) A one time compensation benefit for education upto class 12th for the school students and for existing college course for college students on pro rata basis for the remaining months of that year with yearly limit of Rs 9000/- per student per year.

(ii) Payment of the total amount will be made by ICICI Lombard to HQ AWES who would make the payments to Army schools/colleges as applicable on yearly basis.

(iii) In case any student eligible for education continuation benefit due to any circumstances whatsoever leaves AWES institutions, the student shall not be eligible for the compensatory education benefit from the date he / she leaves the school / college and the amount / balance amount would be recovered and returned to ICICI Lombard under arrangements of HQ AWES. For this purpose, move from one Army school to another Army school will be covered under the policy and such students will continue to get education benefit under the policy. The remark that the student is in receipt of continuing education benefit under 'Vidyarthi Suraksha Kavach' will be endorsed by the school on the Transfer certificate of such students at the time of their leaving the school. The Army school where admission has been sought by such students will enter the particulars in their record. Both Army schools will intimate the details of such students to HQ AWES on occurrence.

10. Cost of Transportation of Dead Body. In the event of death of the Insured Person due to accident, Insurance company shall reimburse in addition to the Insured amount, expenses incurred for transportation of Insured's dead body to the place of residence subject to maximum of 2% of Capital Sum Insured or Rs 2500/-, whichever is less.

PART - III : PROCEDURE FOR SUBMISSION OF CLAIMS

11. Procedure for Submission of Claims. In the event of accidental death or injury to insured person as outlined above, the following procedure will be adopted:-

(a) Initial Report. Initial report will be submitted by Principal / Director of School / College / AWES Cell to HQ AWES on telephone within three hours of occurrence to be followed by written report by fax / E-mail giving details to include the following :-

(i) Name of the School / College / AWES Cell.

(ii) Name of the student / employee.

(iii) Class, if applicable.

(iv) Date of birth and age.

(v) Details of accident. Date, place and time of accident.

(vi) Details of death/injuries to the insured. Place of Death - City/ State.

(vii) Name of Nominee

(viii) Relationship of Nominee with the deceased.

(ix) Whether FIR with police lodged, being lodged.

(b) Detailed Report. The detailed report will be submitted by Principal / Director of School / College / AWES Cell to HQ AWES within three days of occurrence of accident resulting in death / injury as given above to include the following in addition to information in para 10(a) above :-

(i) Claim Form duly filled. Specimen have already been fwd vide this HQ letter No B/45890/Coord/Policy/AWES dated 22 Sep 05 (circular No 003/GEN/2005 refers).

(ii) Copy of FIR.

(iii) Copy of Postmortem Report.

(iv) Death / Injury certificate as applicable.

12. Procedure under Continuing Education Benefit. In case of death of parent / earning member of the family who has been supporting the education of the student, following information will be forwarded by the Schools / Colleges to HQ AWES on telephone followed by fax / E-mail:-

(a) Name of the Deceased Parent.

(b) Name of student and class.

(c) Name of the School / College.

(d) Details of accidental death :-

(i) Date and time.

(ii) Place and state.

(iii) Death certificate.

(e) Relationship of deceased with the student.

(f) Original School / College fee receipts

13. Time Limit of submission of claims to the Insurance Company. The insurance claims are required to reach Insurance Company with the documents within three months of the accidents. The Insurance company would not entertain the claims thereafter. It is important that the claims reach HQ AWES with all necessary documents at the earliest but not later than two months of accidents.

14. Action by HQ AWES. On receipt of the above information, HQ AWES will inform ICICI Lombard General Insurance Company on telephone and fax giving the above information after vetting and authenticating the same. The relevant documents when received will be forwarded to ICICI Lombard General Insurance Company Limited by HQ AWES. HQ AWES will expedite the insurance company for early payment of claim amount.

15. Nodal Officers For Claims in HQ AWES. The following Officers are designated as Nodal Officers to deal with claims and process the same with ICICI Lombard General Insurance Company Limited:-

PART - IV : EXCLUSIONS

Exclusions

16. For Insured Personnel. The Insurance Company shall not be liable for payment under the following circumstances:-

(a) Compensation under more than one sub-clauses under Para 9(a) to (c) in respect of the same period of disablement.

(b) Payment of compensation in respect of Death, Injury or Disablement of the Insured :-

(i) From intentional self-injury, suicide or attempted suicide.

(ii) Whilst engaging in Aviation or ballooning or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed type of aircraft anywhere in the world.

(iii) Directly or indirectly caused by venereal diseases or insanity.

(iv) Arising or resulting from the Insured committing any breach of law with or without criminal intent.

(c) Payment of compensation in respect of Death, Injury of Disablement of the Insured due to or arising out of or directly or indirectly connected with or traceable to war, Invasion, act of foreign enemy, hostilities (whether war be declared or not), Civil War, Rebellion, Militancy / Terrorism, Revolution.

(d) Payment of compensation in respect of death or bodily injury or any disease or illness to the Insured:-

(i) Directly or indirectly caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception, combustion shall include any self-sustaining process of nuclear fission.

(ii) Directly or indirectly caused by or contributed to by or arising from nuclear weapons material.

17. Continuing Education Benefit. All exclusion conditions listed in Para 16 would be applicable except Para 16(c). The death of parent due to war, invasion, act of Foreign enemy, hostilities (whether war declared or not), civil war, rebellion, Militancy / Terrorism, Revolution would not debar the child from receiving benefit under Continuing Education Scheme.

PART V : MISCELLANEOUS ASPECTS

18. Documents.

(a) All Army Schools, Army Professional Colleges and AWES Cells will maintain nominal roll of students and employees as per format given at Appendix A and the same would be available for inspection of the Insurance Company, if required.

(b) All Army Schools, Army Professional Colleges and AWES Cells will submit the following to HQ AWES by 31Aug 06:-

(i) Total No of students and employees as per format given at Appendix B.

(ii) Declaration that proper attendance register giving the names of students and employees is maintained through out the year.

(c) All Army schools / APSs, Army Professional Colleges and AWES Cells will maintain proper records of nominees after ascertaining the same from the insured and obtain their signatures accordingly.

(d) All concerned will also keep record of claims on account of death / disability of students / employees and under continuing education benefit.

19. Payment of Premium. HQ AWES has already paid the insurance premium to ICICI Lombard General Insurance Company Limited. All Army Schools / Army Professional Colleges and AWES Cells will forward the insurance premium at the rate of Rs 60/- per student and employee by bank draft drawn in favour of Army Welfare Education Society by 31 Aug 06 payable at New Delhi positively. Army Schools / APSs, Army Professional colleges and AWES Cells will recover the premium amount from students and employees.

20. Nomination. Any amount under the policy shall be made to the following nominees:-

(a) In case of death of a student, to the surviving parent.

(b) In case of death of students with no surviving parents, to the nominees as shown in records.

(c) In case of death of any of the employees of the concerned Schools / Colleges and employees of AWES (except those on daily wages / outsourced employees) to the NOKs/nominees as applicable.

21. Submission of Details. It is important that required details are submitted to HQ AWES in time for expediting the claims on account of 'Vidyarthi Suraksha Kavach' for timely settlement of claims.

CONCULSION

22. Group Personal Accident Policy by the name of "Vidyarthi Suraksha Kavach" has been revised. It covers the students of all Army Schools, Army Public Schools, Army Professional Colleges and their employees (except those on daily wage, outsourced personnel) and employees of HQ AWES and AWES Cells.

23. The details of insurance policy are laid down above for information of all insured personnel. Principals of Army Schools / Army Professional Colleges and Directors of AWES Cells are requested to disseminate the information to all concerned.

24. It is important that details of cases on occurrence are expeditiously intimated to HQ AWES for early settlement of claims.

Internal
Dir Schools & Colleges

NAME OF SCHOOL / COLLEGE / HQ AWES CELL
(TO BE MAINTAINED AND UPDATED FOR EVERY CHANGE)

NAME OF SCHOOL / COLLEGE / HQ AWES CELL
(TO BE MAINTAINED AND UPDATED FOR EVERY CHANGE)

NAME OF SCHOOLS / COLLEGES / AWES CELL