(a) Temporary Total disablement arising out of an accident defined herein above and resulting in hospitalization as an impatient resulting in total disability to engage in any occupation or work or employment-Rs. 500 per month subject to a maximum of Rs. 1,500 (b) Legal Divorce: Actual legal expenses necessarily incurred for legal divorce proceedings initiated during the currency of the policy and incurred during the currency of the policy or during renewal of the policy but once in life time of the insured and provided the expenses shall be reimbursed only on obtaining divorce decree-Actual not exceeding Rs. 2,000 (c) Loss and or damage to household goods/personal effects whilst contained in house/dwelling arising out of fire, lightning, riots, terrorism, storm, typhoon, flood, cyclone and earthquake – Rs. 2,000/-