Financial Security Against Life’s Sudden Accidents
Personal Accident Insurance provides financial support if an accident leads to death, disability or loss of income. It ensures your family’s financial stability by offering a lump-sum payout and, in some cases, weekly compensation for temporary disabilities. This cover is crucial for anyone who travels frequently, works on-site, or simply wants an extra layer of security against unforeseen mishaps.
Coverage for accidental death and permanent total disability
Optional coverage for medical expenses due to accidents
Benefits for permanent partial and temporary total disability
Education benefit for dependent children (as per policy)
Worldwide coverage under many plans
Frequently Asked Questions
How is Personal Accident Insurance different from health insurance?
It pays benefits for accidental death or disability, not general illnesses or non-accidental hospitalisation.
What events are typically covered?
Accidental death, permanent total disability, permanent partial disability and temporary total disability.
Does it cover accidents outside India?
Many policies offer worldwide coverage; check territorial limits in the policy wording.
Is income proof required for higher sums insured?
Yes, for larger covers insurers may ask for income documents to assess eligibility.
Can I claim under both health and personal accident policies for the same accident?
Yes, health insurance covers medical costs, while personal accident pays separate benefits as per policy.
Are adventure sports-related accidents covered?
Some high-risk activities may be excluded or require special add-ons; verify specific policy terms.
