Personal Accident Insurance
Low-cost protection against life's sudden turns.
Personal accident insurance pays out if an accident causes death or disability. It can also replace lost income during recovery and pay for children's education, all for a very low premium.
- Cover
- Up to 10 to 20 times annual income
- Coverage
- Worldwide, 24x7
- Medical tests
- Usually not required
- Premium
- Low, based on occupation
Choose the personal accident insurance that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Individual PA
Cover for one person against accidents anywhere.
Family PA
Accident cover for the whole family in one policy.
Group PA
Accident cover for employees under a company policy.
Why people choose our personal accident insurance advice
- Worldwide 24x7 cover
- Low premiums
- Weekly income for temporary disability
- Child education and other add-on benefits
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Accidental death
- Permanent total or partial disability
- Temporary total disability income
- Child education benefit
- Daily commuters and frequent travellers
- People in field jobs
- Two-wheeler riders
- Anyone wanting low-cost protection
- Self-inflicted injuries
- Accidents under the influence of alcohol or drugs
- Adventure sports unless declared
Personal Accident Insurance premium: what decides it?
Two people buying the same personal accident insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for Personal Accident Insurance
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
7 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Occupation Details
Income Proof
4 items- Income Tax Return (2 yrs)
- Bank Statement (12 months)
- Current Salary Slip (if salaried)
- Form 16 (if salaried)
Document Proof
8 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Occupation Details
Income Proof
3 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Take PA cover even if you have term insurance; it also pays for disability.
- 2Choose a plan that pays weekly income for temporary disability.
- 3Check the disability schedule to see payout percentages.
Personal Accident Insurance: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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