Personal Accident Insurance
Financial support in the event of accidental injury, disability, or death for individuals.
Product Overview
Personal Accident Insurance is designed to provide financial support when an accident causes death, disability, or other insured losses.
Official insurer materials describe it as a lump-sum protection product that helps individuals and families manage the financial impact of accidental injuries and related disruptions.
Coverage Levels
Core accident protection
Common core covers include accidental death, permanent total disablement, and permanent partial disablement. Some insurers also describe benefits for temporary total disability, depending on the plan selected.
Wider practical support
Available plan features may also include worldwide coverage, optional family cover, and practical support benefits tied to accident-related medical and recovery needs.
Benefit structure
Insurers commonly pay accidental death and permanent total disability as lump-sum benefits, while partial disability may be paid according to a benefit table set out in the policy wording.
Benefits
Accidental Death
HDFC ERGO's Saral Suraksha Bima describes payment of up to 100% of the sum insured in case the insured loses his or her life in an accident.
Permanent Total and Partial Disability
Official insurer materials describe lump-sum support for permanent total disablement, with permanent partial disablement generally paid according to the policy scale or disability table.
Extra support options
Some personal accident products also include benefits such as hospital cash, ambulance costs, broken bones or burns cover, education support for children, medical expense reimbursement, and family-plan options depending on the insurer and plan.