Individual Personal Accident

Individual Personal Accident Policy

By definition, accidents are unexpected incidents. Though you can not predict them, you can definitely be prepared. Our Individual Personal Accident policy helps to do that.

Following are the benefits of each cover given below:

  • Accidental Death Basic | Wider | Comprehensive
  • Permanent Total Disablement Wider | Comprehensive
  • Permanent Partial Disablement Wider | Comprehensive
  • Temporary Total Disablement Comprehensive
  • Hospital Confinement Allowance Comprehensive
  • Medical Expense Extension Comprehensive
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  • Natural death
  • Compensation under more than one benefit mentioned in the table of benefits in respect of the same period of disablement
  • Any payment in case of more than one claim under this policy during any one period of insurance by which our liability in that period would exceed Capital Sum Insured
  • Payment of compensation in respect of death or injury resulting from:
    • Committing or attempting suicide and intentional self-injury
    • Drug addiction or alcoholism
    • Any adventure sport and/or hazardous activity
    • A breach of law with criminal intent
    • War, civil war, invasion, act of foreign enemies, revolution, insurrection or mutiny
    • Ionizing radiation or contamination by radioactivity
    • Radioactive, toxic, explosive or hazardous properties of any nuclear assembly or nuclear component
  • Consequential loss of any kind and/or any legal liability
  • Pregnancy including child birth, miscarriage, abortion or complications arising there from
  • Participation in any naval, military or air force operations
  • Curative treatments or interventions

Protect yourself in few easy steps

Additional Covers

Following optional insurance covers can be taken by paying additional premium. These will further enhance your coverage (for comprehensive plan only).

medical expenses

Medical Expense

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personal accidental insurance

Hospital Confinement

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Medical Expense

Covers medical expenses as a result of an accident resulting in the bodily injury, death or disablement. The compensation under this extension is up to 10% of Capital SI or 40% of the Personal Accident Claim or actual medical expenses whichever is less.

Hospital Confinement

Per day allowance of Rs. 500 up to a maximum of 30 days, per day hospitalization allowance due to an accident resulting in bodily injury, death or disablement.

Age <25 >=25 to <=65 >65
Category- Normal 0.42 0.40 0.46
Category- Heavy 0.63 0.60 0.69
Category- very Heavy 1.26 1.20 1.38
Age <25 >=25 to <=65 >65
Category- Normal 0.95 0.90 1.04
Category- Heavy 1.36 1.30 1.49
Category- very Heavy 2.94 2.80 3.22
Age <25 >=25 to <=65 >65
Category- Normal 1.47 1.40 1.61
Category- Heavy 2.05 1.95 2.24
Category- very Heavy Cover not available Cover not available Cover not available

Premium rates per 1000 sum insured for the above (excluding GST).

Family Package

Special family package insurance cover on the following lines may be granted. Family discount of 10% on covering 2 or more family members under 1 policy.


Capital Sum Insured (CSI)

Earning member or spouse Maximum on the basis of yearly income (100% of sum isured for Basic/Wider/Comprehensive Cover)
Spouse, if not working 50% of sum isured of the insured or 2,00,000 whichever is lower (Basic/Wider Cover)
Dependent children 25% of sum isured of the insured or 1,00,000 whichever is lower (Basic/Wider Cover)
Dependent parents 25% of the sum isured of Insured or 1,00,000 whichever is lower (Basic/Wider Cover)

If we cancel a policy, the insured will be entitled to a pro-rata refund of the premium. If the policy is cancelled by the insured, we will retain a part of the premium as per the following short period table and the balance will be refunded to the insured subject to the condition that no claim has been made by the insured.

Cancellation Date
(From policy start date)
Premium retained by us
Up to 1 month 25% of annual premium
Above 1 month & up to 3 months 50% of annual premium
Above 3 months & up to 6 months 75% of annual premium
Above 6 months 100% of annual premium
  • Claim form
  • Doctor's report, bills in case of temporary/permanent disablement
  • Police report/post mortem report in case of accidental death
  • Leave certificate from employer in case of temporary disablement
  • Any other relevant document
Accident by definition is a ‘sudden unforeseen event’ and thus unpredictable. We live our lives navigating the vagaries of natural and manmade circumstances and while it may not be possible to avoid the inevitable but one can be prepared mentally and financially to tide over the impact. While all accidents are bad news but personal accident is a double whammy. Besides physical pain, you have to spend money on medication on one hand and on the other it impacts your productivity. India is a developing country with a huge population which is young and in its most productive years. It also means many mouths are dependent on these earning hands. And while the infrastructure is growing but there is a lot to improve in terms of safety and welfare. Probability of meeting with accident among the young population which goes out every day for work is high. Low per capita income, zero social security and limited medical facilities leaves an Indian who is not insured in a highly precarious situation. All of the above necessitates the need for

personal accident insurance.

With realization of need comes the quest for best personal accident insurance policy in India. People usually look up to their friends and family to seek guidance and buy insurance. Off late we have seen younger population buy personal accident insurance online also.



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