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Personal accident insurance is a specialized policy that provides financial protection against unexpected accidents resulting in death, disability, or injury. The Insurance Regulatory and Development Authority of India (IRDAI) mandates a minimum personal accident cover of ₹15 lakhs, often included in motor insurance policies.
Personal accident insurance provides 100% sum assured to nominees in case of accidental death, ensuring immediate financial support during emotional trauma. For example, if someone has life cover of ₹70 lakhs and adds accident coverage of ₹30 lakhs, the family receives ₹1 crore total upon accidental death.
Covers complete loss of limbs, eyesight, or any condition that renders the person completely unable to work. The insured receives the full sum assured, providing financial stability for lifetime care and rehabilitation needs.
Offers weekly compensation when temporarily unable to work due to accident-related injuries. This benefit typically provides financial support during the recovery period until the person can return to normal activities.
Personal accident insurance covers all medical expenses during hospitalization including room rent, treatment costs, surgery expenses, diagnostic procedures, and medications required for accident-related injuries.
Many policies provide daily cash allowance of ₹1,000 to ₹2,000 for up to 30 days during hospitalization, helping cover non-medical expenses like groceries, utility bills, and household costs during recovery.
Compensation for ambulance costs incurred for transporting the injured person to the hospital immediately after the accident, ensuring no delay in emergency medical care.
If the policyholder dies or becomes permanently disabled, the policy provides additional funds specifically for dependent children's education expenses, ensuring their academic pursuits remain unaffected.
When hospitalization occurs far from home, the policy reimburses actual transportation costs for immediate family members to reach the policyholder, subject to policy limits.
In case of accidental death, the policy covers expenses for transporting the deceased's body from the accident site to home or cremation place, including funeral and religious ceremony costs.
Fixed compensation for bone fractures, burns, and other specific injuries caused by accidents, providing immediate financial relief for treatment and recovery.
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