Personal accident cover
Health insurance pays the hospital. This pays you.
- Lump sum on accidental death, paid to your nominee
- Payout for permanent total or partial disability
- Weekly benefit while you are unable to work
- Very low premium relative to the cover
Get a free personal accident cover quote
Fill in the details and an advisor will call you with options from multiple insurers.
If an accident stops you working for six months, the hospital bill is only half the problem — the other half is six months with no income. Health insurance does not cover that. Personal accident cover does.
It is one of the cheapest policies available and one of the most relevant for anyone whose income depends on physically being able to work: farmers, drivers, mechanics, contractors, self-employed workers.
What you get
- Lump sum on accidental death, paid to your nominee
- Payout for permanent total or partial disability
- Weekly benefit while you are unable to work
- Very low premium relative to the cover
- Cover applies 24 hours a day, anywhere
What the policy covers
- Accidental death
- Permanent total disability
- Permanent partial disability
- Temporary total disability — weekly income benefit
- Education grant for children, on many plans
Documents you will need
- Aadhaar and PAN
- Age proof
- Occupation details
- Nominee details
Personal Accident Cover — common questions
How is this different from health insurance?
Health insurance reimburses hospital treatment. Personal accident cover pays a fixed sum on death or disability regardless of what the treatment cost, and many plans pay a weekly amount while you cannot work. They solve different problems and work well together.
Am I already covered through my vehicle policy?
Partly. Every motor policy includes compulsory owner-driver personal accident cover, but only while you are using that vehicle and only up to a statutory limit. A standalone policy covers you everywhere, at any time, for a much larger amount.
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