Protect your income and your family's future against life's uncertainties. Comprehensive coverage for Death, Disability, and Medical Expenses at affordable premiums.
Protected 24x7 anywhere in the world
Protection against acts of terrorism
Support for children's education
Weekly wage benefit during disability
A single policy that covers multiple risks to ensure your financial stability
100% Sum Insured payout to nominee in case of unfortunate demise due to accident.
Coverage up to 125% of Sum Insured for permanent total disability (loss of limbs/sight).
Reimbursement of hospitalization expenses arising from accidental injuries.
Weekly cash benefit compensation for loss of income during recovery period.
Accidents are unpredictable. While you can't prevent them, you can prepare for their financial impact.
Weekly benefit during disability ensures bills are paid
Health covers treatment, PA covers income loss
Disability payouts even when you survive the accident
Get ₹50 Lakh cover for just ₹2,000-3,000/year
Common questions about personal accident insurance
It is a policy that provides financial compensation in case of death or disability caused solely by an accident. Unlike Term Insurance which covers all deaths, this covers only accidental ones but costs significantly less.
Yes. Health insurance pays hospital bills. Term insurance pays on death. But if an accident leads to disability (loss of income but alive), only Personal Accident insurance pays a lump sum and weekly income.
Most PA policies cover you 24x7 anywhere in the world. So you are protected even during international travel.
Permanent Total Disability (loss of both limbs/eyes) typically gets 100-125% of sum insured. Permanent Partial Disability (loss of one limb/eye) gets a percentage as per the policy schedule.
Standard documents include Claim Form, FIR copy (if applicable), Medical Practitioner's certificate, and Disability certificate (for disability claims).
Pre-existing disabilities, self-inflicted injuries, injuries under influence of alcohol/drugs, hazardous sports (unless separately covered), and war/nuclear risks are typically excluded.
