Personal Accident Insurance
Financial protection against accidental death, permanent or temporary disability with lump-sum pay-outs and worldwide coverage.
Retail Personal Accident Insurance
Retail Personal Accident Insurance provides financial protection to an individual in case of accidental death, permanent total or partial disability, and temporary total disability due to unforeseen accidents.
Key Features
Lump-sum pay-outs
Financial support through lump-sum pay-outs for accidental death or disability.
Daily hospitalization cover
Daily hospitalization and accident-related medical expense cover when you need it most.
No pre-medical tests
No pre-medical tests required up to specific age and sum insured limits.
Worldwide coverage
Protection that travels with you—accident cover valid across the globe.
Education & funeral add-ons
Optional add-ons such as education allowance for children and funeral expenses.
Plans
Business we associate with
Your Questions,
Answered
"From choosing the right policy to making a claim, we've answered your most common questions."
You have different questions? Our team will answer all your questions. We ensure a quick response.
What is Individual Personal Accident Insurance?
Individual personal accident insurance is a policy that provides financial protection against unforeseen accidents resulting in injury, disability, or death.
Who should consider buying this policy?
This policy is suitable for individuals seeking financial security against accidental risks, regardless of their profession or lifestyle.
What does a personal accident insurance policy cover?
Coverage typically includes accidental death, permanent total disability, permanent partial disability, and temporary total disability (loss of income).
Does this policy cover medical expenses due to accidents?
Yes, many policies offer coverage for hospitalization and treatment expenses arising from accidental injuries, either as a base benefit or add-on.
What is meant by permanent total disability?
It refers to a condition where the insured becomes completely unable to work or earn due to an accident, such as loss of limbs or eyesight.
Is natural death covered under this policy?
No, personal accident insurance covers only accident-related incidents and does not include death due to natural causes.
How is the claim amount determined?
The claim payout is based on the sum insured and the extent of injury or disability, as defined in the policy terms.
Are there any exclusions under personal accident insurance?
Common exclusions include self-inflicted injuries, injuries under the influence of alcohol or drugs, participation in hazardous activities (unless covered), and war or nuclear risks.
Can additional benefits be added to this policy?
Yes, policyholders can enhance coverage with add-ons such as hospital cash allowance, education benefit for children, and ambulance expenses.
What documents are required to file a claim?
Required documents generally include the policy document, medical reports, FIR (in case of serious accidents), identity proof, and a duly filled claim form.