Personal Accident Insurance
24×7 protection against life's unexpected accidents — for pennies a day.
Personal accident cover pays a lump sum for accidental death and disability, plus weekly income if an accident keeps you off work. It's one of the most affordable, highest-value covers you can own — protecting your income when you can't earn.
Why choose this plan
Death & disability
Lump-sum payout for accidental death and permanent/partial disability.
Weekly income
Temporary total disability pays a weekly benefit while you recover.
Worldwide, 24×7
Covers accidents anywhere in the world, on or off the job.
Incredibly affordable
Large cover for roughly the cost of a rupee a day.
What's covered
- Accidental death — full sum insured
- Permanent total & partial disability
- Temporary total disability (weekly benefit)
- Education grant for children (plan-dependent)
- Ambulance and repatriation cover (plan-dependent)
What's not covered
- Death or injury from illness (not an accident)
- Self-inflicted injuries and suicide
- Injuries under influence of alcohol/drugs
- Hazardous activities unless specifically covered
Exclusions vary by insurer and plan. Always read the policy wording — our advisor will explain the fine print.
Available from
How it works
Share a few details
Tell us who to cover and your budget — takes under 2 minutes.
Get matched
Our advisors shortlist the best-fit plan from our partner insurers.
Buy in minutes
Review, pay online and get your policy document instantly.
We stay with you
Free renewal reminders and hands-on claim support, always.
Get an exact quote in minutes — free & no obligation.
Frequently Asked Questions
Common questions about Personal Accident Insurance.
Ready to secure personal accident cover?
Talk to an IRDAI-certified advisor for free, honest guidance tailored to you.