Such injury or injuries should, within 180 days of occurrence of the accident, directly and independently of by any other means cause the death of the Life Assured. (policybazaar.com)
In the event of death caused due to accident or due to any consequence of injury within 12 Months post occurrence of accident is covered up to the full sum insured amount. (policybazaar.com)
Hence consider how much you can afford to pay in the possible occurrence of an accident and set your deductible accordingly. (carinsurancequote.net)