Personal Accident Insurance protection health insurance doesn't provide.
Health insurance covers hospital bills. It doesn't replace your income if an accident leaves you permanently unable to work. Personal accident cover fills exactly that gap — accidental death, disability and weekly income during recovery.
₹5L – ₹2Cr
Cover range available
What is personal accident insurance?
Cover for the income risk, not just the medical bill.
Personal accident insurance pays a lump sum or income benefit if an accident causes death, permanent total/partial disability, or temporary disability — health cover pays the hospital, PA cover pays you and your family for the income disruption an accident causes.
Accidental death benefit
A lump-sum payout to nominees if death results directly from an accident, in addition to any life insurance payout.
Permanent disability cover
A percentage of the sum insured based on the nature of permanent total or partial disability.
Weekly income benefit
A regular payout during temporary total disability, replacing lost wages while you recover.
Education fund for children
A dedicated benefit toward children's education if the policyholder is permanently disabled.
Plan features
What's inside a personal accident policy.
Structured to replace income and fund recovery costs, not just pay a lump sum.
Individual, group & family plans
Cover a single earning member, an entire family, or an employer group under one policy.
Flexible sum insured
Typically set as a multiple of annual income, from ₹5L up to ₹2 Cr+.
Optional add-ons
Ambulance charges, adaptation of home/vehicle for disability, and broken bones cover available on select plans.
Renewable, standalone
Not tied to a health or life policy — renews independently and stays with you across employers.
Coverage details
What each benefit typically pays.
Illustrative payout structure — exact percentages vary by insurer.
Accidental death
100% of sum insured paid to nominee.
Permanent total disability
Loss of both limbs, both eyes, or equivalent.
Permanent partial disability
Loss of one limb/eye or equivalent — graded payout.
Temporary total disability
Weekly income benefit during recovery, typically up to 100 weeks.
Claim process
From incident to income support.
Fast-tracked because PA claims are usually time-sensitive.
Report the incident
Inform us and the insurer within the policy's notification window, with FIR/medical records where applicable.
Medical assessment
Disability claims require a medical board assessment to determine the degree of disability for payout calculation.
Documentation
We compile hospital records, disability certificates and income proof to support the claim.
Settlement
Lump-sum benefits settle within the insurer's TAT; weekly income benefits begin once the claim is admitted.
Frequently asked
Common questions, honestly answered.
The cheapest cover most people forget to buy.
Add income protection against accidents for a fraction of your health insurance premium.
Disclaimer: Insurance is the subject matter of solicitation. Please read the policy wordings, including the disability benefit schedule and exclusions, carefully before purchasing. Pingale Financial Services · IRDAI Corporate Broker License No. CB-XXXXXXX/XX/2024.