Accidental death benefit
Some policies provide a specified benefit if a covered accident results in death and the claim meets the policy's definitions, conditions and documentation requirements.
Personal accident insurance
Life can change in a moment. Know your cover.
An unexpected accident can affect more than your health. It may also affect your income, daily routine and family responsibilities. Personal accident insurance may provide specified financial benefits for covered events.
Simple information to help you ask the right questions.
Understand before you choose.
Learn what a policy includes, what it excludes and how benefits are assessed.
What is personal accident insurance?
It is insurance that may pay specified benefits when a covered accident results in an event defined by the policy, such as accidental death or a qualifying disability. It is different from ordinary health insurance, and the two may have different benefits and exclusions.
Think beyond the accident.
Consider how an unexpected event could affect everyday
responsibilities and finances.
Why people consider it
Because everyday responsibilities don't stop.
You may travel to work, run a shop, work on-site, look after your family or earn through physical work. An unexpected accident can disrupt these routines.
A personal accident policy may offer financial benefits for certain covered outcomes. What it pays depends on the policy, the event and the claim assessment.
01
Your income and routine
Understand whether the policy includes any eligible disability or temporary benefits.
02
Your family responsibilities
Check whether specified accidental death benefits are included and who may receive them.
03
Your financial planning
Understand benefit amounts, exclusions and how this cover fits alongside other insurance.
Understand the cover
What benefits might an accident policy include?
Not every policy includes every benefit. Read the policy schedule and wording to understand what is actually covered.
Permanent disability
Some policies provide benefits for qualifying permanent disabilities. The eligible amount can depend on the type of disability and the policy's benefit schedule.
Other eligible benefits
Depending on the policy, additional benefits may be available for specified temporary disability or other covered events, subject to limits and conditions.
Everyday examples
Let's make it easier to understand.
Imagine a few situations that could happen in everyday life. The examples below explain the questions worth asking about your cover. They do not guarantee that a claim will be paid.
Ask about your situationAn accident affects your ability to work
If an accident results in a qualifying disability, check whether your policy includes a relevant benefit, how it is assessed and what evidence is needed.
You want to plan for your family's future
Review whether accidental death cover is included, what benefit is specified and which documents may be needed if a claim arises.
You want to understand the payout
The amount is not necessarily the same for every accident. It can depend on the benefit, severity of a covered disability and policy terms.
You already have health insurance
Health insurance and personal accident insurance can serve different purposes. Check how their benefits differ instead of assuming one replaces the other.
Before choosing a policy
Don't just look at the premium. Understand the details.
A lower premium does not automatically mean a policy is right for you. Compare what is covered, the benefit limits, exclusions and the conditions for making a claim.
If a policy term is confusing, ask the insurer or adviser to explain it before making a decision.
Five things to check
✓
Covered events
How does the policy define an accident and eligible outcomes?
✓
Benefit amount
What amount or percentage applies to each covered benefit?
✓
Exclusions and conditions
Which situations are excluded or subject to specific conditions?
✓
Eligibility
Check age requirements and any other eligibility conditions.
✓
Claim documents
Understand notification deadlines and the required evidence.
If you need to make a claim
Know the steps before you need them.
The exact process varies by insurer and policy. These are general steps to help you understand what may be required.
Notify the insurer
Follow the policy's instructions and notify the insurer within the applicable timeframe.
Collect the documents
Depending on the claim, documents may include forms, medical records, accident reports and identity details.
Complete the assessment
The insurer reviews the documents, policy terms and claim circumstances before making its decision.
Important: In an emergency, prioritise medical
care and immediate safety. Claim notification, documentation
and assessment should follow the insurer's applicable instructions.
Common questions
Still have questions?
Here are simple answers to common questions about personal accident insurance. Always confirm the details in the specific policy you are considering.
It is a policy that may pay specified benefits for defined accidental events, such as accidental death or qualifying disability. The actual cover depends on the policy wording.
No. Health insurance generally focuses on eligible healthcare expenses under its terms, while personal accident insurance provides specified benefits for covered accidental events. Read both policies to understand the differences.
No. The event must meet the policy definition and conditions. Exclusions, documentation, benefit limits and the insurer's assessment can affect the outcome.
It depends on your income, family responsibilities, existing insurance and financial needs. Compare the available benefit amounts and terms before deciding.
Requirements vary by claim type and insurer. They may include the claim form, policy details, identity documents, medical records or accident reports. Confirm the exact list with the insurer.
Let's talk about your needs
Understand your options before making a decision.
Have questions about accidental death benefits, disability cover, exclusions or claims? Start an enquiry to discuss your requirements.
Personal accident insurance enquiry
Tell us what you want to understand, and take the next step towards reviewing your options.
Ask about accident coverPrefer to call? +91-9899853832