Personal Accident Policy

Financial protection to the insured members against uncertainties such as accidental death, accidental bodily injuries, and partial/total disabilities, permanent as well as temporary disabilities resulting from an accident.In the case of accidental death of the policyholder, the nominee gets 100% compensation from the insurer. There are various other compensations that are offered for accidental disability such as loss of eyes, limbs, and speech.

Individual Health Insurance

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Family Floater Health Insurance

Hassle free policy

Group Health Insurance

Speedy Claims

An accident does not come knocking at the door. It can happen anytime, anywhere and may result in minor to serious injuries. Any such uncertainty may lead to financial crisis, and that is why it is recommended to buy a Accidental Insurance policy. It will provide the necessary financial assistance to you and your family against accidental death, bodily injuries and disabilities (Partial/ Permanent/Temporary). There are various other rider benefits such as accidental hospitalization cover, Hospital Confinement Allowance, and Medical Expense Cover.

Accidental Insurance Coverage


Accidental Death Coverage

An accident can be both emotionally and financially devastating for the dependent family members. In case of fatal injuries, the entire sum assured is paid to the nominee as mentioned in the policy document.


Permanent/Total Disability Cover

In case an accident results in permanent disabilities or lifelong total impairment such as loss of both the limbs, then a specified sum insured amount is paid to the policyholder.


Permanent Partial Disability Cover

If bodily injuries, resulting in permanent partial disabilities, then a certain percentage (up to 100%) of the benefit is paid to the insured.


Temporary Total Disability

In case the insured meets with temporary total disabilities and is bedridden, then the insurer will provide a weekly allowance to recompense the loss of income. The insured can also utilize this claim amount to pay the EMIs, in case there is a loss of earnings.

Major Inclusions and Exclusions of Personal Accident Insurance Plan

Educating yourself about terms and conditions before you avail such a policy always works in your favour. So, here’s a quick rundown of the inclusions and exclusions:



Accidental death

Natural death

Permanent total/ partial disability

Pre-existing disability or injury

Accidental dismemberment

Childbirth or pregnancy

Medical expenses/ hospitalization charges

Suicide or self-injuries

Child education support

Non-allopathic treatments

Life support benefit

Influence of intoxicants

Burns, broken bones and Ambulance

Committing a criminal act or being involved in war activities, suffering from a mental disorder

Daily allowance

Participating in the naval, military, air force, adventurous or sports activities

Accidental dismemberment

Childbirth or pregnancy