Accidental death
100% of sum insured paid to nominee.
Range
100% of SI
General Insurance · Personal Accident
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
24/7
Worldwide accident cover
14
Insurers compared
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.
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Flexible sum insured
Typically set as a multiple of annual income, from ₹5L up to ₹2 Cr+.
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Optional add-ons
Ambulance charges, adaptation of home/vehicle for disability, and broken bones cover available on select plans.
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Renewable, standalone
Not tied to a health or life policy — renews independently and stays with you across employers.
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Flexibility
Security
Long-term growth
Coverage details
What each benefit typically pays.
Illustrative payout structure — exact percentages vary by insurer.
Permanent total disability
Loss of both limbs, both eyes, or equivalent.
Range
100% of SI
Permanent partial disability
Loss of one limb/eye or equivalent — graded payout.
Range
50-100% of SI
Temporary total disability
Weekly income benefit during recovery, typically up to 100 weeks.
Range
1% of SI/week
Claim process
From incident to income support.
Fast-tracked because PA claims are usually time-sensitive.
Simple processHassle-free claims
01
01
Report the incident
Inform us and the insurer within the policy's notification window, with FIR/medical records where applicable.
02
02
Medical assessment
Disability claims require a medical board assessment to determine the degree of disability for payout calculation.
03
03
Documentation
We compile hospital records, disability certificates and income proof to support the claim.
04
04
Settlement
Lump-sum benefits settle within the insurer's TAT; weekly income benefits begin once the claim is admitted.
FAQs
Frequently asked
questions.
Common questions, honestly answered.
Health insurance pays the hospital for treatment costs. Personal accident insurance pays you (or your family) for the income and life impact of the accident — death, disability, or lost wages during recovery. They're complementary, not overlapping.
Yes, if your term plan doesn't include an accidental death or disability rider. Standalone PA cover is cheaper for the specific accident risk and adds disability income benefits that most term plans don't include.
Usually not. Underwriting is based on occupation and age rather than health history, since the cover only triggers on accidents, not illness.
Loss of use of a specific body part or sense — e.g., one eye, one limb, hearing in one ear — each assigned a percentage of the sum insured per the policy's disability schedule.
Most PA policies offer worldwide 24/7 coverage unless the policy specifically excludes certain high-risk countries or activities.
Yes — family PA plans cover the policyholder, spouse and children under a single policy, often at a lower combined premium than individual policies.
Clear answers. Better decisions.
Expert Guidance
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.