General Insurance · verified 5 September 2026

Personal Accident Insurance

Protect income and family finances after a covered accident.

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What is personal accident insurance?

Personal accident insurance pays fixed benefits for covered accidental death and disability. It is useful because life insurance may address death but not every disability, while health insurance mainly pays treatment expenses—not lost income. Choose the sum insured around income, liabilities and dependants, subject to insurer limits.

Illustration explaining accident, disability and family income protection — Visual guide: one accident can create medical cost, disability and income loss; personal accident cover focuses on the defined financial benefits.

Why choose it?

Consider it if your income supports dependants, you commute frequently, work in a physical occupation, have loans, or want a disability benefit beyond health and life insurance. The amount should reflect income and liabilities, subject to underwriting.

What it normally does not replace

It is not a mediclaim policy, does not cover ordinary illness, and does not automatically pay every injury. Self-harm, intoxication, criminal acts, war and hazardous activities may be excluded or restricted. Read the schedule of benefits.

Plain-language guide

Important terminology with examples

Definitions are educational summaries. The issued policy wording and schedule control every claim.

Accidental death

A lump sum paid to the nominee when death results from a covered accident.

Example: The accident and death must meet the wording and time conditions.

Permanent total disability

A covered accident permanently prevents the insured from performing defined activities or work.

Example: Loss of both eyes or limbs may qualify under the schedule.

Permanent partial disability

A permanent loss that attracts the percentage listed in the benefit table.

Example: Loss of one finger may pay a fixed percentage—not the full sum insured.

Temporary total disability

Weekly income support while a covered injury temporarily prevents work.

Example: Payment is capped by amount and number of weeks.

Accident

A sudden, unforeseen and involuntary external event as defined in the policy.

Example: Illness or gradual wear is not automatically an accident.

Occupation class

Job-risk category used for underwriting and premium.

Example: A desk worker and a construction worker may have different terms.

Medical expenses extension

Optional reimbursement of defined treatment expenses after an accident.

Example: It may have its own limit and deductible.

Education/loan benefit

Additional fixed benefits after specified severe outcomes.

Example: A child education benefit may pay only after accidental death or PTD.

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Companies offering relevant covers

Open a company page to review current plan families, eligibility guidance, coverage, exclusions and official documents.

National Insurance

Personal Accident and Janata Personal Accident

Personal Accident Insurance

What is personal accident insurance?

Why choose it?

What it normally does not replace

Important terminology with examples

Accidental death

Permanent total disability

Permanent partial disability

Temporary total disability

Accident

Occupation class

Medical expenses extension

Education/loan benefit

Companies offering relevant covers

National Insurance

The New India Assurance

The Oriental Insurance

United India Insurance

ACKO General Insurance

Bajaj General Insurance

Cholamandalam MS General Insurance

Generali Central Insurance

Go Digit General Insurance

HDFC ERGO General Insurance

ICICI Lombard General Insurance

IFFCO Tokio General Insurance

IndusInd General Insurance

Liberty General Insurance

Magma General Insurance

Navi General Insurance

Raheja QBE General Insurance

Royal Sundaram General Insurance

SBI General Insurance

Shriram General Insurance

Tata AIG General Insurance

Universal Sompo General Insurance

Zuno General Insurance

Zurich Kotak General Insurance

Aditya Birla Health Insurance

Care Health Insurance

Galaxy Health Insurance

ManipalCigna Health Insurance

Star Health and Allied Insurance

Six checks that prevent avoidable surprises

Correct insured

Full disclosure

Coverage limits

Exclusions

Claims process

Official wording

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