- Safety form unforeseen events
- Benefits of personal accident insurance
- Inclusions and Exclusions
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Updated on May 07, 2025 13 min read
What is Personal Accident Insurance?
Personal accident offers comprehensive coverage against unfortunate injuries, disabilities, and death due to accidents. It is designed to provide a safety net for the individuals and their families against the financial repercussions of the accident.
Imagine this,
Imagine a perfectly ordinary Tuesday. You’re brewing your morning coffee, rushing to catch the train, or simply walking your dog. Then, in a split second, the ordinary shatters. A slip, a fall, a collision - the event we dismiss as "someone else’s problem" transforms into an undeniable reality. Personal accidents, those abrupt interruptions to our daily lives, are not distant possibilities, but lurking shadows in our routines. They’re the silent plot twists we never see coming, yet they can rewrite our stories in an instant.
traordinary Facts
Did you know?
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.
Best Personal Accident Insurance Plan
As your expert health advisor, we have listed some top personal accident insurance plans offered by different companies in India. These options are based on the company’s reputation, multiple plan offerings, comprehensive features and benefits.
| Plan Name | Entry Age | Coverage |
| Star Accident Care Individual Insurance | 18 years to 70 years | Upto Rs 1,00,000 |
| Care Secure Personal Accident Insurance | 24 years to 70 years | Upto Rs 50,00,000 |
| Niva Bupa Personal Accident Insurance Plan | 18 years to 65 years | Upto Rs 2 Crore |
| Aditya Birla Activ Secure Personal Accident | 5 years to 65 years | Upto Rs 2 Crore |
| HDFC ERGO Personal Accident Insurance | 18 years to 69 years | Upto Rs 1,00,000 |
| SBI Individual Personal Accident Insurance | 18 years to 65 years | Upto Rs 1 Crore |
| ICICI Lombard Personal Protect Policy | 18 years to 80 years | Upto Rs 2.5 Lakh |
| TATA AIG Accident Guard Plus Policy | 18 years to 70 years | Upto Rs 5 Crore |
What All Are Included in Personal Accident Insurance Policy?
By investing in the best personal accident policy, you will be covered for the following cases.
Accidental Death-
In case of accidental death, the legal nominee will receive 100% sum insured.Permanent Partial Disability-
This covers situations where an accident causes a permanent but partial disability, with payouts typically calculated as a percentage of the sum insured based on the severity of the injury.Permanent total disability-
This coverage provides a payout if an accident results in a permanent and total disability, such as the loss of both limbs or eyesight.Temporary Total Disability-
This provides a weekly or monthly benefit to compensate for lost income if an accident temporarily prevents the insured from working.
Additional Potential Benefits Under Personal Accident Coverage
You must look for these benefits when searching for the best accidental insurance plan.
Hospitalization Expenses-
Coverage for medical costs incurred due to hospitalization following an accident.Ambulance Charges-
Reimbursement for ambulance services.Loss of Income-
Compensation for income lost due to an accident.Children’s Education Fund-
Financial support for the education of dependent children in the event of the insured’s death or permanent disability.Repatriation of Mortal Remains-
Coverage for the costs of transporting the deceased’s remains.Broken Bones/Burns-
Some policies will give a set amount for those specific injuries.
What are the 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.
pert Note
We navigate a world of calculated risks, yet often overlook the most immediate danger: ourselves. Every year, millions are sidelined by personal accidents, from seemingly minor slips to life-altering injuries. These aren’t just numbers on a spreadsheet; they’re the stories of missed milestones, disrupted careers, and altered futures. Consider this: the likelihood of a significant personal accident might be closer than you think, a statistic that transforms from abstract data to a chilling possibility when it involves you or someone you love.
What are the Benefits of Buying Personal Accident Insurance?
If you are thinking about investing in a personal accident insurance policy, then let me tell you what benefits you will get:
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 security of your family members from 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, some of the best 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?
Choosing personal accident cover is a decision driven by a need for financial security and peace of mind in the face of life’s unpredictability. Here’s a breakdown of the key reasons why individuals opt for this type of insurance:
Protection Against Unforeseen Events:
- Accidents can happen anytime, anywhere, regardless of precautions. Personal accident cover provides a financial safety net when these unexpected events occur.
- It helps mitigate the financial shock that comes with accidents.
Financial Security for Loved Ones:
- In the unfortunate event of accidental death, the policy provides a lump-sum payout to beneficiaries, ensuring their financial stability.
- This is especially crucial for families dependent on a single income.
Coverage for Disabilities:
- Accidents can lead to both temporary and permanent disabilities, which can result in significant financial burdens.
- Personal accident cover helps cover medical expenses, rehabilitation costs, and lost income during these challenging times.
Income Replacement:
- If an accident results in temporary disability, the policy can provide a regular income stream to help cover living expenses for the individual and family members.
- This is essential for maintaining financial stability during recovery.
Affordable Protection:
- Compared to other types of insurance, personal accident coverage is relatively affordable, making it accessible to a wide range of individuals.
- It provides significant financial protection for a relatively low premium.
Complementary to Health Insurance:
- While health insurance covers medical expenses related to illnesses, personal accident cover specifically addresses costs arising from accidents.
- It is a good addition to a health insurance policy.
Peace of Mind:
- Knowing that you and your family are financially protected against the consequences of accidents can provide significant peace of mind.
- This allows you to focus on recovery and moving forward without the added stress of financial worries.
Simplicity and Speed:
- Generally, the claim process for personal accident insurance is simpler and faster than some other types of insurance. This is very important when someone is dealing with the aftermath of an accident, both physically and emotionally.
In essence, personal accident cover offers a practical and affordable way to safeguard your financial well-being and that of your loved ones against the unpredictable nature of accidents.
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
General Categorization of Risk Levels for Different Types of Occupations
We have categorized some occupations into three types based on the risk level for accidents in general. This segregation helps in calculating the premium. Have a look at these three categories:
| Category | Risk Level | Coverage |
| SET 1 | Low Risk | Managers Accountants Doctors Architects Teachers Lawyers Office workers |
| SET 2 | Medium Risk | Manual labourers Machine operators Mechanics Drivers of heavy vehicles Cash carrying employees Builders and contractors Veterinary doctors |
| SET 3 | High Risk | Mineworkers Jockeys Circus performers >Dangerous sports enthusiasts Mountaineers |
What is Not Covered in Personal Accident Insurance?
There are some of the exclusions that come with the plan. A general list of the of the exclusions is given below:
- Suicide
- Natural death
- Self-Injury
- Injuries from war
- HIV/AIDS
- Injuries occurred due to the 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 File A Personal Accident Insurance Claim?
Filing a personal accident insurance claim requires a systematic approach to ensure a smooth and successful process. Here’s a general guide:
First of all, seek medical attention. Get immediate treatment for your injuries. Then notify your insurer as soon as possible.
Now, gather all the documents.
Claim Form-
Obtain the claim form from your insurer and fill it out accurately.Policy Documents-
Provide copies of your insurance policy documents.Medical Records-
Include all medical reports, hospital bills, discharge summaries, and prescriptions.Police Report (if applicable)-
If the accident involved a vehicle or occurred in a public place, a police report may be required.Death Certificate (in case of death)-
If the claim is for accidental death, provide the death certificate.Post-mortem Report (if applicable)-
Some insurers may require this report in the case of death.Disability Certificate (if applicable)-
If the claim is for disability, provide a certificate from a qualified medical professional stating the nature and extent of the disability.Proof of Identity and Address-
Submit copies of your identification and address documents.Income Proof (for loss of income claims)-
If claiming for loss of income, provide salary slips, income tax returns, or other relevant documents.
Any other documents required by the insurance company.
Next, submit the claim.
- Submit the completed claim form and all supporting documents to the insurance company. Keep copies of all documents submitted for your records.
Wait for the claim processing.
Verification:
The insurance company will verify the information provided and may conduct an investigation.Settlement:
If the claim is approved, the insurance company will settle the claim as per the policy terms and conditions.Dispute (if necessary):
If the claim is rejected or you are not satisfied with the settlement amount, you may have the option to contact grievance redressal for claim support.
Expert Tips Related To Personal Accident Claim Process.
- Read the policy wordings carefully- Understand the terms and conditions of your policy, including the coverage and exclusions.
- Be accurate and truthful- Provide accurate and truthful information in your claim form and supporting documents.
- Keep records- Maintain detailed records of all communication with the insurance company.
- Seek professional assistance- If you are unsure about any aspect of the claim process, seek assistance from PolicyX.com. We provide you with only expert guidance, no gimmicks.
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.
To find out more about the ideal personal accident health insurance connect with our insurance experts.
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Personal Accident Insurance Plan: 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 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.
7. Is a medical check-up required for personal accident insurance?
Generally, no pre-policy medical check-up is required.
8. Can I get international coverage for personal accident?
Yes, many policies offer international coverage; confirm with your insurer.
9. How quickly are personal accident insurance claims settled?
Personal accident claims are typically processed quickly.
10. What is the ideal coverage amount for personal accident insurance?
It depends on your income, dependents, and financial obligations. However, it is suggested that one should have a personal accident cover of at least 100 times your monthly income.
11. Are broken bones covered in personal accident insurance?
Some policies offer specific benefits for broken bones/burns.
12. Can I get personal accident insurance online?
Yes, many insurers offer online policies. You can also buy the best accidental insurance plan from PolicyX.com.
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Written By: Simran Saxena
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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