Personal Accident Cover 
Starting at 
Discount Nobody plans for an accident. One slippery road, one missed step or one bad turn is all it takes. When it happens, the pain is not only physical. Bills pile up, income slows down and the family starts to worry about the days ahead. A personal accident insurance plan is built for exactly this situation. If an accident leads to death, injury or disability, the plan gives money support to you or your family. If the policyholder passes away in an accident, the nominee receives the full compensation from the insurer.
Personal accident insurance is a policy that pays you when an accident harms your body. This includes death, permanent disability or total disability caused by an accident. The accident can happen on a train, on a flight, on the road, in water, or in a collision.
Many people first come across this cover as an add-on to a health insurance plan. Some buy it as a separate policy too.
Accidents do not send a warning. They can happen at home, at work, on your way to the market or on a holiday. Some are small and only keep you at home for a few days. Others change a person's life for good. In both cases, money problems can show up quickly.
Here is why this cover makes sense:
It protects you from small and big accidents. The plan pays for accidental death, injuries and disabilities, whether partial, total, permanent or temporary. The seriousness of the accident does not decide whether you are protected.
It supports your dependents. If the policyholder dies in an accident, the insurer pays the compensation to the legal heir, so the family is not left struggling.
It can be made stronger with riders. You can add extras such as accidental hospitalisation cover, a daily allowance for hospital stays and a children's education cover.
Think of it as a small yearly cost that can save your family from a very large problem.
Here is what makes this policy a smart choice for working people and families:
Your loved ones get support if you die in an accident.
You can buy the policy without going through health check-ups.
Cover starts from day one, so you can claim for an accident right away.
You get strong cover without spending a lot.
Accidents that happen anywhere in the world are covered.
You can protect yourself alone or your whole family.
Many plans reward a claim-free year with extra benefits.
A support team is available at any hour.
Premiums may qualify for a deduction under Section 80D of the Income Tax Act.
Simple buying, quick start and a low price make this one of the easiest covers to add to your financial plan.
A good plan goes well beyond a single payout. It helps with the many costs that follow an accident. Here is what you can expect. The exact list depends on the plan you pick and the riders you add.
| Cover | How It Helps |
|---|---|
| Accidental death cover | If an accident takes the policyholder's life, the full sum insured goes to the nominee or legal heir |
| Permanent total disability | If an accident leaves you with a lifelong, complete disability, such as losing both limbs, you receive the agreed sum insured |
| Permanent partial disability | If the disability is partial but permanent, you receive a part of the benefit based on the level of loss, up to 100% |
| Temporary total disability | If you are bedridden for some time, the insurer pays a weekly amount to make up for lost income. Many people use it to pay their monthly EMIs. |
| Loss of income | If you lose your job because of accident injuries, you receive a fixed amount |
| Cover | How It Helps |
|---|---|
| Children's education | If the policyholder dies in an accident, the child's education costs are paid up to a set limit |
| Loan protector cover | If death or lifelong disability happens due to an accident, a lump sum is paid to help clear your loan |
| Transport of mortal remains | The nominee gets money for moving the body from the accident spot to the hospital, home or cremation ground |
| Cremation expenses | The insurer pays for the last rites and related ceremonies after accidental death |
| Family transport allowance | If you are admitted to a hospital in another city, your close family gets money for travel costs to reach you |
| Cover | How It Helps |
|---|---|
| Accidental hospitalisation | Medical bills during a hospital stay after an accident are paid |
| Ambulance expenses | The cost of taking you to the hospital after the accident is covered |
| Life support benefit | Costs of life support during your hospital stay are covered |
| Hospital daily cash | You get a fixed amount per day while in hospital, for the number of days mentioned in your policy |
| Broken bones benefit | A fixed amount is paid if an accident causes a fracture or bone damage |
| Burns benefit | You receive compensation if an accident causes burns |
| Home or vehicle modification | If a permanent total disability or loss of a body part happens, the insurer pays to make your home or vehicle easier to use |
Before you buy, read the plan document carefully. This way you know exactly which of these personal accident insurance benefits come with your policy.
It is just as important to know what a plan will not pay for. A personal accident policy does not cover death or disability caused by:
If your daily life includes any of these, speak to our team before buying. We will help you understand your options.
Here is an easy rule that many people follow. Choose a personal accident cover that is at least 100 times your monthly income.
This is only a starting point. If you have more dependents, a larger loan or higher monthly costs, you may want a bigger amount. Think about what your family would need if your income suddenly stopped, and choose a personal accident insurance coverage that gives them enough breathing space.
Your job is the main factor in deciding how much you pay. The more risk your work carries, the higher the premium. Insurers usually place occupations into three groups.
| Risk Class | Level of Risk | Examples of Occupations |
|---|---|---|
| Class 1 | Low risk | Accountants, lawyers, bankers, doctors, teachers, architects, managers and office administrators |
| Class 2 | High risk | Employees who carry cash, builders, contractors, machine operators, garage mechanics, manual labourers, veterinary doctors |
| Class 3 | Very high risk | Journalists, workers in explosive industries, mountaineers, mine workers, jockeys, river rafting professionals, big game hunters, circus performers |
Always share your job details honestly when you apply. Wrong information can create trouble at the time of a claim.
Many people mix up PA insurance with other types of cover. Let us clear that up.
Life insurance pays your family when you pass away, no matter what the reason is. The only common exception is suicide. A personal accident insurance plan pays only when the cause is an accident.
There are a few more differences worth knowing:
| What Is Covered | Personal Accident Insurance | Life Insurance |
|---|---|---|
| Death from illness or disease | No | Yes |
| Death from an accident | Yes | Yes |
| Permanent total disability | Yes | No |
| Partial disability | Yes | No |
A critical illness plan gives you a lump sum when you are diagnosed with a serious disease. You usually need to survive for a fixed period after the diagnosis to receive the money. A personal accident plan is about accidents only. It has nothing to do with illness.
| Point of Difference | Personal Accident Insurance | Critical Illness Insurance |
|---|---|---|
| What it pays for | Death and disability caused by an accident | A lump sum when a serious illness such as kidney failure, cancer or paralysis is diagnosed |
| Illness cover | Not covered | Covers listed illnesses such as cancer and tuberculosis |
| Waiting period | None | Up to 3 months |
| Medical check-up | Not needed | Needed |
Term insurance pays your family if you die from natural causes or from an accident. Personal accident insurance pays only if the death or disability comes from an accident. If a person passes away from natural causes, a personal accident plan will not pay.
A claim can feel stressful, but the steps are simple. Follow them in order:
Contact the personal accident insurance company within the time limit written in your policy. They may give you a claim reference number.
Provide basic details: contact number, policy number, insured name, date, time, place, description, and loss extent.
Send all required papers, certificates, and medical bills directly to the insurer.
The insurer checks your documents and then pays the claim amount to the policyholder or nominee.
For a claim related to accidental death or disability, you may need these papers:
Keep copies of all papers safe, and store digital copies too. It makes the process much faster.
Life is full of moments we cannot predict. But how your family copes with them is something you can prepare for today. A personal accident plan is one of the most affordable ways to do this. It asks for no medical tests, has no waiting period and stays with you wherever you go.
At Okbima, we help you compare plans, understand what you are buying and pick a cover that suits your income, your job and your family. Our team is here to answer your questions in simple language, without any pressure.
Real voices from our customers.
It is a policy that pays money when an accident causes death, injury or disability. If the policyholder dies in an accident, the nominee receives the payout.
Anyone who earns for a family, pays EMIs or travels often can benefit. It is especially useful for people whose income stops if they cannot work.
It covers accidents on the road, on a train, on a flight, in water and in collisions. The plan pays whether the accident is small or serious.
No. You can buy a personal accident insurance plan without any health check-up.
No. Cover starts from day one, so you can claim for an accident right after the policy begins.
It covers both. The plan pays for permanent total disability, permanent partial disability and temporary total disability.
A common rule is to pick a cover of at least 100 times your monthly income. If you earn ?20,000 a month, a cover of ?20,00,000 is a good starting point.
Your occupation is the main factor. Low-risk jobs like teaching or banking cost less. Higher-risk jobs like mining or construction cost more.
Natural death, suicide or self-harm, accidents under the influence of drugs or alcohol, pre-existing injuries, pregnancy, adventure sports, war and terrorism are usually excluded.
Yes. Accidents that happen anywhere in the world are covered.
Life insurance pays for death from any cause. Personal accident insurance pays only when the cause is an accident, but it also pays for disabilities, which life insurance does not.
Yes. You can add riders such as accidental hospitalisation, hospital daily cash and children's education cover.
Inform your insurer within the time limit in your policy, share the basic details of the accident, submit the required documents and wait for verification.
Premiums may qualify for a deduction under Section 80D of the Income Tax Act. Please check with your tax advisor for your case.
The product details shared on this page come from the information provided by the insurers. Okbima works only as a facilitator between you and the insurer. The final decision on any claim is taken by the insurer alone.
Okbima does not give medical or surgical advice, nor any diagnosis. We are not responsible for any treatment you receive from a doctor or hospital. Please speak to a registered medical practitioner for any medical or surgical advice. All information you receive from Okbima, our employees or this website is meant for general knowledge only.
As per insurance guidelines, you can cancel your policy within 30 days from the date it is issued. This option is available for policies with a term of one year or more.
All savings and online discounts are offered by insurers under plans approved by IRDAI. Tax benefits can change if the tax laws change.
You do not need a medical test unless the insurer's underwriter asks for one. If you have a pre-existing condition, you may need to give medical proof as per the terms of your chosen policy. Whether such conditions are covered depends on the insurer's underwriting rules.
The values used to work out the effective cost are only indicative and may change based on the plan you select. The scope of coverage can also differ from one plan to another.
Standard terms and conditions apply. Before you complete your purchase, please read the sales brochure and the applicable rules and regulations carefully to understand the risk factors, terms and conditions.
Please note that the information you submit on this website may be shared with insurers.
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