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Personal Accident Insurance

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Accident is an unfortunate incident that can change course of your life. In such a case, it is utmost important to ensure that your family is safe and protected.


That’s where personal accident insurance policy comes into picture. It is an added protection that provides you assurance that you and your family will be protected in the event of death or disability due to accident.


The key benefit of this policy is it covers almost all risks associated with accidents. Here’s a quick snapshot on the commonly used terms

Solely and Directly

It states that body injury should not be self inflicted; rather it should be solely and directly from an accident.



An accident should be an uninitiated and unintended act. Suicide is one such example.


External violent and visible means

The cause of the accident should be visible to be proved violent and unintended.



Disability refers to the inability of the person to his job or work.


Different kinds of cover available under Personal Accident Insurance
  • Accidental death
  • Loss of limbs
  • Permanent/ partial disability
  • Total temporary disablement

The amount of cover needs is based on a number of factors like:

  • Income of the applicant
  • Type of job or occupation
  • Age of the applicant
  • Period of insurance
Permanent total disablement/ permanent partial disablement and temporary total disablement?
Permanent Total Disablement

Disablement that is permanent and irreversible. Permanent loss of any of two major limbs is called Permanent Total Disablement i.e. amputation of hand or leg, loss of eyesight.

Permanent Partial Disablement

Here, the bodily injury is permanent and partial. For example, loss of a finger.

Temporary Total Disablement

The disability is temporary but total. For example, a fracture in both hands due to which a person is not able to earn a living.

While different insurance products have different tenures, in general, a Personal Accident Cover policy is provided for a period of 12 month.



The common exclusions are:

  • Suicide or self initiated bodily harm
  • Bodily harm while under the influence of alcohol or drugs
  • Venereal disease
  • Injury due to war
  • Child birth or pregnancy

Contact Us to know more about the various Personal Accident Insurance Policies you can invest in.