Personal Accident
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  • Safety form unforeseen events
  • Benefits of personal accident insurance
  • Inclusions & Exclusions
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Personal Accident Insurance: An Introduction

Medical emergencies such as road accidents are uninvited. As per the report published by the Ministry of Road Transport and Highways in 2022, the states and union territories reported a total of 4,61,312 road accidents. Out of which 1,68,491 lives were claimed.

Unfortunately, accidents not only affect your health but might affect your overall capability to work. Personal accident insurance is designed to protect you and your family from such fatalities.

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7 Best Personal Accident Insurance Plans

7 Best Personal Accident Insurance Plans

What Is Personal Accident Insurance?

Personal accident insurance offers comprehensive health coverage against accidental death, injuries, and disabilities both partial and permanent. In case the insured policyholder passes away due to an accidental death the sum insured is provided to the nominee.

Now that we have understood what accidental cover policy is, let us further understand the inclusions of the same.

Best Personal Accident Insurance Plan

We have rounded up some of our top personal accident insurance picks for you and your family. Scroll further to take a look

HDFC Ergo Personal Accident Insurance

Safeguard your financial savings with HDFC Personal Accident Insurance as it covers you against accidental medical expenditures.

Unique Features

  • Worldwide Coverage
  • Tax Benefits
  • Lifelong Renewability

Personal Accident Insurance (Pros)

  • No medical check-ups
  • Family cover available
  • Accidental Death
  • Permanent Total Disability
  • Broken Bone Coverage

Personal Accident Insurance (Cons)

  • Pre-existing injuries not covered
  • Suicide not covered
  • Adventure sport injuries not covered
  • Claims related to mental illness
  • Individuals working with explosives

Personal Accident Insurance (Other Benefits)

  • Hospital Cash Cover
  • Coverage For Burns
  • Long term discounts
  • 24/7 coverage
  • High Sum Insured

Personal Accident Insurance (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - 65 years
  • SI - 2.5 to 15 L
  • Waiting Period - 30 Days

Care Secure Personal Accident Insurance

A unique personal accident plan covering serious ailments arising due to accidents and safeguarding your family

Unique Benefits

  • Mobility Cover
  • Tax Benefits
  • Burn Damage Cover

Care Secure Personal Accident Insurance (Pros)

  • Road Ambulance Cover
  • Fracture Cover
  • High Sum Insured
  • Accidental Hospitalization
  • Permanent Total Disablement

Care Secure Personal Accident Insurance (Cons)

  • Pre-existing injuries not covered
  • Suicide not covered
  • Adventure sport injuries not covered
  • Claims related to mental illness
  • Individuals working with explosives

Care Secure Personal Accident Insurance (Other Benefits)

  • Loyalty Benefit
  • Child Education
  • Permanent Partial Disablement
  • Diagnosis Tests Cover
  • Repatriation of Mortal Remains

Care Secure Personal Accident Insurance (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - 70 Years
  • SI - 10 to 50 L
  • Waiting Period - 30 Days

An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.

Unique Features

  • Educational grant
  • Vehicle/Residence modification
  • Imported medicines

The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.

Unique Features

  • Permanent Disability Covered
  • No pre-medical required
  • Worldwide coverage

Personal Protect Plan (Pros)

  • All Disablement Covered
  • Accidental Hospital Allowance
  • Rail accidents covered
  • Natural Peril Injury CFovered
  • No health check-up required

Personal Protect Plan (Cons)

  • Change of Gender Treatments
  • Cosmetic or Plastic Surgery
  • Dental treatment not covered
  • Maternity expenses not covered
  • No Global Coverge

Personal Protect Plan (Other Benefits)

  • No Injuries in terrorism covered
  • Hospital Daily Allowance Benefit
  • Accidental Hospital Allowance
  • Funeral Expenses covered
  • Children's Education Grant Benefit

Personal Protect Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.

Unique Features

  • Global coverage available
  • Child education benefit
  • Permanent Disability Cover

AccidentCare (Pros)

  • Funeral Expenses
  • Accidental OPD
  • Adventure Sports Cover
  • Elderly Care Cover
  • Burns Cover

AccidentCare (Cons)

  • No Alcohol Ailment Cover
  • No Cosmetic Surgery
  • No Obesity Surgery
  • No Suicide Cover
  • No War Injury Cover

AccidentCare (Other Benefits)

  • Air Ambulance
  • Broken Bone/Fracture
  • Head & Spinal Injury
  • Marriage Expenses for Children
  • Comatose Cover

AccidentCare (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 5l
  • Waiting Period - 30 Days

The Plan is designed to protect individuals and families from all the contingencies (death and disabilities) that occur due to accidents.

Unique Benefits

  • Education benefits provided
  • Funeral expenses covered
  • Protection against income loss

Activ Secure Personal Accident (Pros)

  • Total & Partial Disability Cover
  • Accidental Death Cover
  • No Claim Bonus
  • Ambulance Cover
  • Education Benefit

Activ Secure Personal Accident (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure Personal Accident (Other Benefits)

  • Income Cover
  • Loan Protect Cover
  • Orphan Benefit
  • Compassionate Visit
  • Coma Benefit

Activ Secure Personal Accident (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 30 L
  • Waiting Period - 30 Days

SBI Personal Accident plan provides protection against accidental death, loss of life, and disabilities, it offers a cumulative bonus along with add-ons for ambulance charges.

Unique Benefits

  • Tax Benefits
  • No Pre-policy check-up
  • Affordable Premiums

Individual Personal Accident (Pros)

  • Loss of Life Cover
  • Disabilities Cover
  • Loss of Income Cover
  • Permanent Total Disability
  • Education Benefit

Individual Personal Accident (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Individual Personal Accident (Other Benefits)

  • Add-on Covers
  • Temporary Total Disability
  • Permanent Total Disability
  • Permanent Partial Disability
  • Accidental Death

Individual Personal Accident (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 1 Crore
  • Waiting Period - 30 Days

The plan offers coverage for accidental death and disability caused due to accidents.

Unique Features

  • Temporary Total Disability
  • Child Enhancement Benefit
  • Child Tuition Benefit

Accident Guard Policy (Pros)

  • Family Transportation Benefit
  • Air Ambulance
  • Escalation Benefit
  • Loss of Hearing
  • Funeral Repatriation Benefits

Accident Guard Policy (Cons)

  • No Alcoholism Cover
  • No War Injury Cover
  • No Cataract Cover
  • No Suicide Cover
  • No STD Cover

Accident Guard Policy (Other Benefits)

  • Fractures/Burns
  • Total Disablement Cover
  • Hospital Daily Cash
  • Accidental Death
  • Permanent Total Disability

Accident Guard Policy (Eligibility Criteria)

  • Entry Age - 6 Months
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

A plan that protects against accidental death or disability, and includes a 50% No-Claim Bonus. The plan has flexible premium payment terms.

Unique Features

  • 24*7 Global Coverage
  • Family Cover
  • No Income Proof Required

Personal Accident (Pros)

  • Educational Grant
  • Recovery Benefit
  • Temporary total Benefit
  • Instant Cover
  • Carriage of Dead Body

Personal Accident(Cons)

  • No Infertility Treatments
  • No Maternity Cover
  • No Dietary Supplements Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Personal Accident(Other Benefits)

  • Disablement Cover
  • Loss Of Hearing Cover
  • Ambulance Cover
  • Pre- Existing Disease Cover
  • No Medical Test Required

Personal Accident (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 70 Years
  • SI - 2.5 Lakh - 10 Lakh
  • Waiting Period - 30 Days

Reimburses the medical expenses incurred during the treatment arising out of the accident and covers disability or death caused by accidents.

Unique Features

  • Child Education Benefit
  • Avail World Wide coverage
  • Zero Paperwork required

Personal Accident Policy (Pros)

  • Carriage of Mortal Cover
  • 5% Increase On SI
  • Flexible Policy
  • Day Care Procedures Covered
  • Accident Death Benefit

Personal Accident Policy (Cons)

  • No Suicide Cover
  • Obesity Treatment Unavailable
  • No Pregnancy Cover
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Personal Accident Policy (Other Benefits)

  • Permanent Disability Covered
  • Easy Claim Process
  • Medical Extension Cover
  • AYUSH treatment Cover
  • No Medical Test

Personal Accident Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 20 L
  • Waiting Period - 30 Days

Inclusions Of Personal Accident Insurance

On investing in the best personal accident insurance you are entitled to the inclusions and exclusions mentioned below:

Inclusions What Does It Mean?
Accidental Death In case of an accidental death, the legal nominee is entitled to receive 100% sum insured
Permanent Partial Disability In case of partial disability due to accidents, a fixed percentage of the sum insured is provided to the insured individual
Permanent Total Disability In case of permanent disability due to accidents, a fixed percentage of the sum insured is provided to the insured individual
Temporary Total Disability In case of an accident, the insured individual is disabled and bedridden partially, the insurance plan offers a weekly allowance as compensation for the loss of income
In-patient hospitalisation Expenses including room rent charges, ICU charges, doctor fees, etc are all covered under the accidental cover policy
Education Support for Dependent Children Personal accident policy also offers education support for dependent children of insured individuals in case of accidental death or disability.
Emergency Ambulance Personal accident insurance covers expenses for emergency road ambulance in case of road accidents
Funeral Expenses The nominee of the insured individual will receive a specific amount to cover funeral expenses

Best Personal Accident Insurance Plan

We have rounded up some of our top personal accident insurance picks for you and your family. Scroll further to take a look

Health Insurance Company Personal Accident Insurance
Star Health Star Accident Care Individual Insurance Policy
Care Health Care Secure Personal Accident Insurance
Niva Bupa Niva Bupa Personal Accident Insurance Plan
Aditya Birla Activ Secure Personal Accident
HDFC Ergo Personal Accident Insurance
SBI Health Individual Personal Accident Insurance
Niva Bupa Personal Accident Care
Aditya Birla Activ Secure Personal Accident Policy
ICICI Lombard Personal Protect Policy
TATA AIG Accident Guard Policy

Types Of Personal Accident Insurance Plans

Personal accident insurance can be divided into 2 different categories namely,

  • Group Personal Accident Insurance

    Provided to employees by their health insurance employers offering them basic coverage for accidental death, injuries, and disablement. The coverage is limited and does not offer a wide range of benefits.
  • Individual Personal Accident Insurance

    Typically protects an individual from accidental injuries, death, and disabilities. Provides a high range of sum insured as compared to a group personal accident insurance. The plans designed for individuals are capable of covering short-term and long-term disabilities along with accidental death.

Personal Accident Insurance Benefits

Thinking about investing in a personal accident insurance policy? Read further to understand personal accident insurance benefits that you can avail of:

  • No Pre Policy Medical Check-Up Required

    You are not required to undergo a pre-policy medical check-up when purchasing personal accident insurance.
  • Peace Of Mind

    When investing in an accident insurance policy you are assuring the health of your family members for any future fatalities offering you peace of mind.
  • Quick Claim Settlement

    When involved in an unfortunate accident the last thing anyone wants to experience is the lack of assistance from insurers. Investing in personal accident insurance promises a quick claim settlement providing a hassle-free experience to insured individuals in trying times.
  • 24/7 Customer Support

    Personal accident insurance offers you 24/7 customer support making sure to answer all your queries as well as assist you during hospitalisation claims.
  • International Coverage

    Most health insurance plans have geographical limitations. However, personal accident insurance offers coverage for accidental injuries, and disablements out of the country. International coverage is available in many accident insurance policies, you just have to ask your insurer for the same.

Why Choose Personal Accident Cover?

As we know, an accident can happen at any time. It can happen at your workplace, while traveling, etc. So, the personal accident insurance plan becomes essential for every individual. Having a Personal Accident Insurance policy ensures financial security to you and your dependents in the event of unforeseen accidents. It covers ambulance and medical service costs, hospitalization due to any type of accident, burns, cuts, fractured bones, loss of limbs, or loss of vision, etc.

Personal Accident Cover is the best solution to safeguard yourself from any unfortunate incidents and medical emergencies which in turn may break your bank and drain you from all your life savings. Personal Accident Cover is an individual’s solution against unfortunate events such as accidental death, Accidental injuries that may leave you partially or completely paralyzed, and treatments for disabilities due to any accidents. Personal Accident Cover provides a lump sum amount as per the selected policy to the nominee of the insurance holder in case of accidental death and other benefits and covers in case of scenarios such as loss of limbs, loss of eyesight, permanent or partial disability, etc.

Additional Benefits of Personal Accident Health Insurance

While most health insurance companies give the above-mentioned benefits as part of a personal accident plan, insurers may also provide the following additional benefits:

  • Funeral Expense:

    If the insured person dies in an accident then the insurance company will reimburse the funeral expense to the insured family.
  • Temporary Total Disability:

    A certain benefit amount is to be paid to the insured person if he/she suffers a total disability for a temporary time.
  • Child Education Benefit:

    If the insured person passes away or is disabled permanently, then the fixed amount will be paid regularly to the insured family for his/her child’s education.
  • Accident Hospitalization:

    If the insured is hospitalized due to an accident then the insurance company will cover all the hospitalization expenses of the insured person.

Factors Affecting Personal Accident Insurance premiums?

Personal Accident premiums are calculated based on a variety of criteria, including:

  • Age
  • Nature of your occupation
  • Income
  • The number of additional members (like parents, spouses, or children)
  • Geographical location
  • Sum insured amount

Documents Required to Buy Personal Accident Insurance

Insurance providers may require a specified set of documentation when purchasing a health insurance plan. To purchase a Personal Accident Health Insurance policy, you need the following documents:

  • ID proof
  • Address proof
  • Details of known pre-existing diseases
  • Photographs
  • Medical records
  • Application form

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General Categorization of Risk Levels for Different Types of Occupations

We have categorized some occupations into three types based on the risk level in general:

Category Risk Level Coverage
SET 1 Low Risk Managers
Accountants
Doctors
Architects 
Teachers 
Lawyers
Office workers
SET 2 Medium Risk Manual laborers
Machine operators
Mechanics
Drivers of heavy vehicles
Cash carrying employees
Builders and contractors
Veterinary doctors
SET 3 High Risk Mineworkers
Jockeys
Circus performers
Dangerous sport persons like river rafting, etc.
Mountaineers, etc.

What is Not Covered in Personal Accident Insurance?

A personal accident plan comes with some exclusions. Exclusion can vary from insurer to insurer. A general list of exclusions is given below:

  • Suicide
  • Natural Death
  • Self Injury
  • Injuries from War
  • HIV/AIDS
  • Injuries occured due to consumption of alcohol or drugs

Always read the policy terms and conditions attentively if you decide to buy personal accident insurance for your protection. This will help you understand the inclusions and exclusions properly.

How to Claim Personal Accident Insurance?

To intimate the claim, the following details are to be provided to the Company:

  • Policy Number
  • Name and contact detail of the policyholder
  • Location of the accident
  • Brief description about the incident
  • Name and address of the attending Medical Practitioner and Hospital
  • Date of accident

In case of a death or disability claim, following are the documents required to be submitted:

  • Death claim (in case of death)
  • Disability certificate (in case of disability)
  • Post-mortem report (in case of death)
  • FIR report
  • Medical certificate
  • Original bills
  • Original duly completed and signed caim form

The Final Verdict: Is Personal Accident Insurance Important?

A minor accident can cause major health ailments or result in untimely death. A personal accident add-on cover with your base health cover has its limitations such as sum insured capping, treatment capping, and disability cover limits.

However, with a dedicated personal accident insurance plan you will be able to protect yourself and your family against various fatalities. The plan includes education cover for dependent children, along with funeral expenses. A lump sum amount is provided to the nominee in case of accidental demise of the insured individual. However, with a dedicated personal accident insurance plan you will be able to protect yourself and your family against various fatalities. The plan includes education cover for dependent children, along with funeral expenses. A lump sum amount is provided to the nominee in case of accidental demise of the insured individual.

To find out more about the ideal personal accident health insurance connect with our insurance experts.

Personal Accident Insurance: FAQs

1. What is personal accident insurance?

Personal accident insurance offers comprehensive health coverage against accidental death, injuries, and disabilities both partial and permanent. In case the insured individual passes away due to accidental death the nominee receives 100% sum insured.

2. Are you eligible for a tax benefit under section 80D on personal accident insurance?

Yes, on investing in an accident insurance policy, you are eligible for tax benefits under section 80D of the Income Tax Act.

3. What are the eligibility criteria for investing in personal accident insurance?

Individuals or family members between the ages of 18 to 65 years are eligible for personal accident insurance. However, the entry age eligibility may vary from plan to plan.

4. What is covered under personal accident insurance?

The inclusions under personal accident insurance are

  • Accidental Death
  • Permanent Total Disability
  • Permanent Partial Disability
  • Temporary Disability
  • In-patient hospitalisation expenses
  • Funeral expenses
  • Road ambulance
  • Education Cover for dependent children

5. What is not covered under personal accident insurance?

Personal accident insurance does not cover self-inflicted injuries or death due to suicide.

6. How much does accident insurance cost?

Personal Accident Cover premium payment depends on the sum insured amount chosen by the individual. The premium amount depends on a lot of factors such as age, occupation and even medical history. It is wise to select a personal accident cover that is enough to cover the lifestyle expenses of your family so as to provide them with a comfortable life even after your unfortunate accidental death or permanent disability.

7. How much Accidental Insurance Coverage is enough?

There are multiple personal accident cover policies with a range of sum insured available starting from 1 lakh to 1 crore. The ideal way to decipher the amount of sum insured required by you and your family must be based on factors such as lifestyle expenses, child education needs, loans and liabilities if any, and other important factors. It is advisable to select a sum insured that is 100-120 times your annual income in order to safeguard the future of your family through a personal accident cover.

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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.