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Personal Accident Insurance

What is Personal Accident Insurance?

Personal accident insurance is a type of insurance policy that provides financial protection for people who meet with accidents. It covers unforeseen circumstances such as bodily injuries, disability, and death suffered due to accidents.
Any accident is unexpected and medical expenses are unavoidable. A huge medical bill can lead you toward a financial crisis. A personal accident policy can give you complete financial security during such emergency situations.
This policy covers individuals from bodily injuries, partial/temporary/total/permanent disabilities, and death due to accidents.

Personal Accident Insurance Coverage

Personal accident insurance coverage offers the following benefits to the policyholders:

Death Coverage

If the accident is fatal and results in death, the entire sum assured is paid as death benefits to the family of the deceased individual. This provides financial security to the dependent family members.

Permanent Partial Disability Coverage

If an accidental injury causes permanent partial disability, the insurance policy pays a specified percentage of the sum assured to the policyholder.

Permanent Total Disability Coverage

If the accident causes permanent and total disability (e.g., loss of both limbs), the personal accident cover shall pay a specified amount to the policyholder

Temporary Total Disability

If the accident results in temporary total disability and the individual is bedridden, the policy will reimburse the loss of income based on the salary.

Advantages of Personal Accident Insurance Policy

The general exclusions of a personal accident policy are as follows:

Inclusions of Personal Accident Insurance Policy

The general inclusions of a personal accident policy are as follows:

Exclusions of Personal Accident Insurance Policy

The general exclusions of a personal accident policy are as follows: