Personal Accident Insurance

Income protection if an accident changes everything.

Personal accident cover helps when an accident affects your ability to earn. It can pay a lump sum or weekly income for accidental death, disability, or temporary disablement.

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What it covers

Coverage, explained.

Accidental death benefit
Permanent total / partial disability
Temporary total disability with weekly income
Education benefit for dependent children
Hospital cash benefit
Worldwide cover, 24x7

What to watch for

Common mistakes we help you avoid.

Assuming life insurance covers disability. It usually does not.
Choosing a low sum insured. Aim for at least 10–15× annual income.
Skipping coverage for self-employed individuals where income depends on physical work.
Not declaring high-risk occupations, which can affect the cover.
Forgetting to add it to a family floater for spouse and adult children.

Claim Guidance

If you need to claim, we can help with the process.

Inform the insurer within 24–48 hours of the accident. Preserve FIRs, medical reports, and disability certificates from a government hospital. We help compile the documents and follow up so payouts are not delayed by paperwork gaps.

FAQs