Comprehensive Cover
What's Included in Your Policy?
Our personal accident insurance is designed to provide robust financial support when you need it most, covering a wide range of accidental eventualities.
Accidental Death
Lump sum payment to the nominee in case of unfortunate accidental death of the insured.
Permanent Disability
Financial support for permanent total or partial disability resulting from an accident.
Medical Expenses
Coverage for hospitalization and medical costs incurred due to accidental injuries.
Education Benefit
Special financial aid for children's education in the event of death or permanent disability.
Top Picks
Leading Personal Accident Plans
Explore the most reliable personal accident insurance plans from top-rated insurers.
Global Personal Guard
Global protection featuring adventure sports cover, air ambulance, and family security.
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Secure Child
Specialized cover for children with education & assistance benefits.
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Personal Protect
Simple & effective accidental death & disability protection.
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Activ Secure
Individual PA
Comprehensive protection with broken bones, burns, and ambulance cost benefits.
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PA Shield
Why Buy Personal Accident Insurance?
Life is unpredictable. While you can't prevent accidents, you can certainly protect your family's financial future against them.
Financial Security
Acts as an income replacement tool if an accident leads to temporary or permanent disability.
Fills the Gap
Standard health or life insurance may not cover disability-related income loss. PA insurance does.
Cost-Effective
Get high coverage (Sum Insured) at very affordable premiums compared to other insurance types.
Key Benefits
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Worldwide Coverage
Protection follows you everywhere, 24/7, across the globe.
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Minimal Documentation
Easy to buy with no need for extensive paperwork or medical tests.
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Family Security
Ensures your family's lifestyle is not compromised in your absence or disability.
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Education Grant
Takes care of your children's education expenses in case of permanent total disability or death.
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Cumulative Bonus
Increase in Sum Insured amount for every claim-free year (Terms apply).
What is Covered?
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Accidental Death: 100% of Sum Insured paid to nominee.
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Permanent Total Disability (PTD): 100% payout for loss of limbs, sight, etc.
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Permanent Partial Disability (PPD): % payout based on severity (e.g., loss of one finger/hearing).
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Temporary Total Disability (TTD): Weekly payouts to compensate loss of income while recovering.
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Education Grant: Lump sum for children's education in severe cases.
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Ambulance Charges: Reimbursement for ambulance expenses to nearest hospital.
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Hospital Confinement Allowance: Daily cash allowance for accidental hospitalization.
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Broken Bones / Burns: Fixed payout for fractures or burns as per policy terms.
What is Not Covered?
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Suicide / Self-Injury: Intentional self-harm or suicide attempts.
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Intoxication: Accidents under influence of alcohol or drugs.
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Hazardous Sports: Adventure sports like skydiving, racing (unless covered by rider).
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Criminal Acts: Participation in any criminal or illegal activity.
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War & Nuclear: Injuries due to war, terrorism, or nuclear hazards.
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Pregnancy / Childbirth: Complications arising from pregnancy or childbirth.
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Pre-existing Conditions: Disabilities or injuries existing before policy purchase.
Ready for Peace of Mind?
Getting insured is easier than ever. Fill out our simple online form or speak to our experts directly.