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.
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
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 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.
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.
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 |
By investing in the best personal accident policy, you will be covered for the following cases.
You must look for these benefits when searching for the best accidental insurance plan.
Personal accident insurance can be divided into 2 different categories namely,
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.
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.
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.
If you are thinking about investing in a personal accident insurance policy, then let me tell you what benefits you will get:
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:
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.
Personal Accident premiums are calculated based on a variety of criteria, including:
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:
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 |
There are some of the exclusions that come with the plan. A general list of the of the exclusions is given below:
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.
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.
Any other documents required by the insurance company.
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 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.
Yes, on investing in an accident insurance policy, you are eligible for tax benefits under section 80D of the Income Tax Act.
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.
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
Personal accident insurance does not cover self-inflicted injuries or death due to suicide.
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.
Generally, no pre-policy medical check-up is required.
Yes, many policies offer international coverage; confirm with your insurer.
Personal accident claims are typically processed quickly.
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.
Some policies offer specific benefits for broken bones/burns.
Yes, many insurers offer online policies. You can also buy the best accidental insurance plan from PolicyX.com.
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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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