Health insurance pays the hospital; personal accident cover pays you. If an accident causes death or disability, the policy pays a fixed amount, and many plans pay a weekly benefit while you cannot work. Premiums are low and depend on the type of work you do.
Who needs it
- People who commute or travel daily
- Field staff, drivers and self-employed people whose income depends on working
- Anyone who wants low-cost cover on top of health and term insurance
What's covered
Accidental death
100% of the sum insured to the nominee.
Permanent total disability
A lump sum if an accident leaves you permanently unable to work.
Permanent partial disability
A percentage of the cover for losses such as a limb or eyesight.
Temporary total disability
A weekly benefit while you recover (optional in some plans).
Extras
Many plans add accident hospital costs and a children's education benefit.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Self-inflicted injury or suicide
- Injury under the influence of alcohol or drugs
- Adventure sports and war, unless specifically covered
- Illness or disease (this is accident cover only)
Popular add-ons
Accidental hospitalisation
Medical bills after an accident.
Loan protector
Pays outstanding loan EMIs after a covered disability.
Documents checklist
To get a quote or buy
- PAN card and Aadhaar (or another officially valid ID) for KYC
- Occupation details
- Nominee details
To make a claim
- Claim form and policy copy
- FIR and panchnama (where applicable)
- Medical records and disability certificate
- Death certificate and post-mortem report (death claims)
Frequently asked questions
I have health insurance. Why do I need this?
Health insurance pays medical bills. Personal accident insurance pays you or your family a lump sum or income for death or disability, which health insurance does not.
Does it cover me outside India?
Most personal accident policies cover accidents anywhere in the world. We confirm this for the plan you choose.
Why does my job affect the premium?
Insurers group occupations by risk. Desk jobs cost the least; manual and hazardous work costs more.
Related cover
Health Insurance
Individual and family floater plans with cashless treatment at network hospitals. We explain waiting periods, room-rent limits and co-pays before you buy.
ExploreMotor Insurance
Third-party and comprehensive cover for cars, two-wheelers and commercial vehicles. Keep your No Claim Bonus and get help when you need to claim.
ExploreTerm Life Insurance
Pure protection: a large lump sum to your family if something happens to you. We help you pick the right cover, term and riders.
ExploreNot sure what you need?
Tell us about your family or business and we will suggest the right cover, in plain language.
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