Health Insurance VS Personal Accident Insurance
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  • Accident Insurance Vs Health Insurance
Health Insurance VS Personal Accident Insurance
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Health Insurance Vs Accident Insurance: What You Should Know?

As per the 'Global Status Report on Road Safety' by the World Health Organization, the number of deaths due to road traffic accidents dropped worldwide annually by 5%. However, the numbers are rising in India. Similarly, another report on 'Road Accidents in India 2022' stated that the number of deaths in India due to road accidents rose to 1,53,792 in 2021.

These statistics are enough to leave you confused about the category of health insurance to be purchased. Questions like,

'Will my health plan cover accidental injuries?' 'Is my accident insurance enough for me?' are some of the most common ones.

Health insurance and personal accident insurance are two sides of the same coin. Personal accident insurance and health insurance both aid you financially during distress. While health insurance serves a broader agenda by providing comprehensive coverage, a personal accident plan covers you for a specific purpose.

The difference between health and personal accident insurance is subtle. If you are confused about which one to purchase in particular, you have come to the right place. This is a comprehensive guide on health insurance vs accident insurance plans.

Keep reading to find its key features and explore what makes them different.

P.S - Read till the end to find out the best health insurance and personal accident insurance plans in the market

Health Insurance Vs Accident Insurance: In A Nutshell

Let us understand what health insurance and personal accident insurance are:

Health Insurance

Health insurance plans are affordable solutions that help you cover medical care expenses. Investing in the best health insurance plan offers you coverage against the cost of hospitalization, surgeries, critical illnesses, diagnostics, doctor consultations, pharmacy, etc.

A health insurance plan is flexible and versatile when it comes to customization, you can customize the sum insured, additional riders, deductibles, co-payments, and more in your health insurance. It provides comprehensive coverage.

Personal Accident Health Insurance

An accident can happen to anyone at any time. Many times accidents lead to serious physical disabilities and even deaths. With consistently increasing medical care expenses an accident can cause serious financial burdens.

Personal accident health insurance covers you for injuries, disabilities, and treatments required in case you meet with an accident. If you are someone who works in a high-risk environment (e.g. factories, mines, etc.) or drives a two-wheeler you must invest in personal accident health insurance.

Accident insurance vs health insurance: Key Differences

Here is a look at the key differentiating factors between a health insurance and personal accident health insurance plan.

Key Differentiators Personal Accident Insurance Health Insurance
Premium Price The premiums are less than health insurance plans Offers wider scope of coverage making premiums slightly expensive as compared to personal accident insurance
Availability Available as an add-on and standalone health plan Available as standalone insurance plan
Tax Benefits Available under section 80D Available under section 80D
Pre-existing Diseases Cover Not Available Covered after a waiting period
Maternity Expenses Not Covered Covered after a waiting period
Critical Illnesses Not Covered Covered after a waiting period or available as an add-on/rider
Accidental Death Covered May or may not be covered

List of Personal Accident and Health Insurance

We have rounded up a list of the best health and personal accident insurance for your benefit:

Health Insurance Sum Insured Personal Accident Insurance Sum Insured
Star Comprehensive Health Plan 5 L - 1 Cr Star Accident Care Individual Policy Minimum: INR 1 L
Care Supreme 7 L - 1 Cr CareSecure - Personal Accident Insurance 10 L - 50 L
Niva Bupa Aspire 3 L - 1 Cr Niva Bupa Personal Accident Insurance 5 L - 2 Cr
ManipalCigna ProHealth Prime 3 L - 1 Cr ManipalCigna Accident Shield 5 L - 25 Cr
Aditya Birla Activ One Nxt 5 L - 2 Cr Aditya Birla Activ Secure Personal Accident Insurance 1 L - 20 Cr
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Accident Insurance Vs. Health Insurance: Which Is The Best Choice?

A medical emergency can strike anyone at any time. Unfortunately, some of them leave a lasting impact than others. While we all hope for a quick recovery, hospitalization of any kind is a financial and emotional burden on the patients and their family members.

There are no right or wrong answers when it comes to selecting between accident insurance vs. health insurance. You must evaluate your needs, working conditions, medical history and lifestyle habits when selecting an ideal health insurance. A health insurance plan offers comprehensive coverage whereas a personal accident health plan is purpose-centric.

For further information on accidental and personal health insurance, connect with insurance experts at PolicyX.

Health Insurance Vs Accident Insurance: FAQ's

1. Do I need personal accident health insurance if I have health insurance?

If you have a health insurance plan offering an adequate sum insured or have the option to add a personal accident cover with your base policy you can avail of accident cover at a minimal premium price.

2. Are maternity expenses covered under personal accident health insurance?

No, personal accident health insurance only covers injuries, disabilities, or death caused due to accidents. For maternity expenses look for the best maternity health insurance plans.

3. Does personal accident insurance cover accidental death?

Yes, personal accident health insurance covers accidental death. The health insurance pays the family members with a lump sum amount in case of accidental death.

4. What is the difference between a personal accident insurance and a health insurance?

A health insurance plan will offer multiple coverage such as hospitalization, AYUSH treatments, daycare procedures, etc. However, a personal accident health plan can be added as an add-on/rider in your base policy as well as be purchased as a standalone health insurance protecting you from injuries, or death caused by accident.

5. What are the tax benefits applicable to health insurance and accidental health plans?

Both personal accident and health insurance plans are eligible for tax benefits under section 80D of the Income Tax Act.

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What Our Customers Have to Say

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Achintya Sharma


May 10, 2024

I’ve been covered by HDFC ERGO Platinum Health Guard plan for years now, and it has been a lifesaver. The coverage is extensive, and the claim process is so easy. I highly recommend the p...

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I’m impressed with the assistance of the ManipalCigna Prime Senior Insurance policy that I’ve bought for my father. I don’t fear now being a NRI because I’m assured of h...

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May 10, 2024

The ManipalCigna LIfestyle Protection Critical Care Policy has coverage for up to 30 critical illnesses with a sum insured of up to 25 Crores. If you’re searching for a policy like this, ...

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May 10, 2024

If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.

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May 10, 2024

I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.

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Kanupriya Ghadge


May 10, 2024

For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.

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Neelam Sharma


May 10, 2024

Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health

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May 10, 2024

My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...

Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.