Personal Accident

What is Personal Accident Insurance?

Personal Accident Insurance covers in the event of the person sustaining bodily injuries resulting solely and directly from an accident caused by external, violent and visible means, resulting into death or disablement (partial/total). It pays for injuries sustained, occurred anywhere in the world.

Why Personal Accident Insurance?

► An unfortunate event can happen to anyone, anywhere & anytime.

► Insurance policy cannot prevent the accident from happening, but the policy will protect from the financial losses that the accident may cause.

► Though the health insurance plan covers the medical expenses, and the life insurance protects the financial stability of family, the need of personal accident insurance still exists as it helps to cover financial deficits that arise on account of accidents.

► It covers accidental death and disabilities caused due to accident

What is covered under Personal Accident Insurance?

Personal Accident insurance covers:

► Rail / Road / Air Accident

► Injury due to any collision

► Slipping from stairs or in bathroom (fall)

► Fractures & burns

► Injury due to drowning, poisoning, animal bite, etc;.

What is not covered in Personal Accident Insurance?

Personal Accident Insurance does not cover an accidental loss that is caused by:

► Intentionally /self-inflicted injuries or sickness.

► Suicide or injuries resulting from attempted suicide.

► Injuries or death while on active duty in the armed forces of any country or international authority.

► Sickness, disease, pregnancy, childbirth, miscarriage, bodily infirmity or bacterial infection other than an infection from an accidental cut or wound.

► Driving under the influence of alcohol/intoxicating substance.

► Dangerous sports

► Voluntary involvement in Riots

► Diseases or infections caused before the occurrence of accident.

What are the types of Personal Accident Insurance Policies available?

☆ Individual

☆ Family

☆ Group

What are the types of Personal Accident Insurance Policies available?

☆ Accidental death

☆ Permanent Total Disability

☆ Loss of Income

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