Personal Accident Insurance

Financial protection against accidental death, disability, and injuries.

Personal Accident Insurance

Protect Yourself Against Life's Uncertainties

Accidents can happen anytime, anywhere. Personal accident insurance ensures that you and your family are financially protected in case of accidental injuries, disability, or death.

Accidental Death Cover

Lump sum payment to family

Permanent Disability

Coverage for total/partial disability

Temporary Disability

Weekly income replacement

Medical Expenses

Coverage for accident-related treatment

Personal Accident Overview

Types of Coverage

Understand what's included in personal accident insurance

Accidental Death

100% of sum insured paid to nominee in case of accidental death

Permanent Total Disability

100% of sum insured if permanently disabled and unable to work

Permanent Partial Disability

Percentage of sum insured based on loss of body parts

Temporary Disability

Weekly benefit for temporary disablement (up to 104 weeks)

Choose Your Coverage Amount

Flexible sum insured options to match your needs

₹5 Lakhs

Basic Coverage

Ideal for individuals seeking affordable protection

Select
Most Popular

₹10 Lakhs

Standard Coverage

Best balance of coverage and affordability

Select

₹20 Lakhs

Premium Coverage

Comprehensive protection for families

Select

₹50 Lakhs

Executive Coverage

High-value protection for professionals

Select

Additional Benefits

Enhanced protection with these valuable inclusions

Medical Expenses

Coverage for accident-related medical treatment up to 10% of sum insured

Hospital Daily Allowance

Fixed daily benefit for hospitalization due to accident

Education Benefit

Children's education expenses covered in case of death

Ambulance Cover

Expenses for ambulance up to ₹2,000 per accident

Home Modification

Expenses for home modification after permanent disability

Worldwide Coverage

24/7 coverage anywhere in the world

Eligibility Criteria

  • Age: 18 years to 65 years
  • Occupation: All occupations eligible
  • Sum Insured: ₹5 Lakhs to ₹1 Crore
  • Policy Term: 1 year (renewable)
  • Residency: Indian Resident

Documents Required

  • Identity Proof (Aadhar, PAN, Passport)
  • Age Proof
  • Address Proof
  • Recent Photograph
  • Occupation details (if applicable)
  • Nominee details

Why You Need Personal Accident Insurance

Don't let an accident derail your financial security

1
High Risk of Accidents

Over 4 lakh road accidents reported annually in India

2
Medical Costs Rising

Accident-related medical expenses can be substantial

3
Income Protection

Disability can mean loss of income - PA insurance replaces it

4
Affordable Premiums

High coverage at very low cost compared to other insurance

5
Family Security

Ensures family's financial stability in case of death

6
Peace of Mind

Live life without worrying about accident consequences

Frequently Asked Questions

Common questions about personal accident insurance

Health insurance covers medical expenses due to illness or disease, while personal accident insurance specifically covers accidents. PA insurance pays a lump sum for death or disability, while health insurance pays for hospitalization costs. Ideally, you should have both for complete protection.

An accident is defined as a sudden, unforeseen, and involuntary event caused by external, violent, and visible means. This includes road accidents, falls, drowning, burns, animal attacks, etc. Injuries caused intentionally or due to self-harm are not covered.

Permanent Total Disability means complete and irrecoverable loss of use of both hands, both feet, or sight of both eyes, or one hand and one foot, rendering you unable to ever work again. Permanent Partial Disability means loss of specific body parts (e.g., loss of one hand, one foot, one eye), and payment is made as per a percentage chart in the policy.

Premiums paid for personal accident insurance are eligible for tax deduction under Section 80D of the Income Tax Act. The claim amount received is generally tax-free under Section 10(10D).

Yes, many insurers offer family floater personal accident policies that cover you, your spouse, and children under a single sum insured. You can also buy individual policies for each family member.

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