What is SUD Life Accidental Total and Permanent Disability Rider-Tulip Plan?

“Accidental Total & Permanent Disability” refers to a disability:
a. which is caused by Bodily Injury resulting from an accident, and
b. which occurs due to the said Bodily Injury solely, directly and independently of any other causes, and
c. which occurs within 180 days of the occurrence of such accident and

The Life Assured shall be regarded as being totally and permanently disabled under a "Presumptive" definition of disability, only if the Life Assured, due to accident, directly and independently of any other cause, has suffered one (or
more) of the following impairments:
i. the total and permanent loss of sight in both eyes, or
ii. the loss by physical severance (or total and permanent loss of use) of two limbs at or above the wrist or ankle, or
iii. the total and permanent loss of sight in one eye and the loss by physical severance (or total and permanent loss of use) of one limb at or above the wrist or ankle.

“Accident” is defined as A sudden, unforeseen, and involuntary event, caused by external, visible, and violent means which causes bodily injury, but excludes illness and diseases

Bodily Injury means Injury must be evidenced by external signs such as contusion, bruise and wound except in cases of drowning and internal injury

“Injury” means accidental physical bodily harm excluding any Illness, solely and directly caused by an external, violent, visible, and evident means which is verified and certified by a Medical Practitioner.

“Medical Practitioner” means a person who holds a valid registration from the medical council of any State of India or Medical Council of India or any other such body or Council for Indian Medicine or for homeopathy set up by the Government of India or by a State Government and is thereby entitled to practice medicine within its jurisdiction and is acting within the scope and jurisdiction of his license, provided such Medical Practitioner is not the Life Insured covered under this Policy or the Policyholder or is not a spouse, lineal relative of the Life Insured and/or the Policyholder or a Medical Practitioner employed by the Policyholder/Life Insured. Loss of Sight mean total, permanent and irrecoverable loss of sight of both eyes as a result of an Accident. The blindness must be confirmed by an Ophthalmologist. The blindness is evidenced by: - corrected visual acuity being 3/60 or less in both eyes or. - the field of vision being less than 10 degrees in both eyes. The diagnosis of blindness must be confirmed and must not be correctable by aides or surgical procedures.