💥Personal Accident Insurance
A Must-Have Safety Net
Life is unpredictable. A sudden accident can change everything — physically, emotionally, and financially. Personal Accident Insurance offers financial protection in the event of accidental injuries, disability, or even death.
It’s one of the most affordable yet most overlooked forms of insurance in India. Whether you’re a salaried employee, self-employed, or a business owner — this policy provides peace of mind when you need it most.
🚨 Why Personal Accident Insurance Matters
✅ Covers accidental death with a lump-sum payout to your nominee
✅ Pays for permanent or partial disabilities caused by accidents
✅ Offers weekly income benefits for temporary total disability
✅ Covers accident-related medical expenses, including hospitalization
✅ Affordable premiums starting from just ₹300 per year
🔍 What Is Covered?
| Incident | Coverage |
|---|---|
| Accidental Death | 100% Sum Insured payout |
| Permanent Total Disability | Up to 100% payout depending on severity |
| Permanent Partial Disability | % of sum insured based on injury type |
| Temporary Total Disability | Weekly compensation (usually for 1–2 years) |
| Hospitalization & Medical Costs | Optional add-on coverage |
| Ambulance Charges | Included in many plans |
👨👩👧 Who Should Buy Personal Accident Insurance?
Daily commuters (especially two-wheeler riders)
Factory and site workers
Small business owners & delivery agents
Freelancers & gig workers
Anyone without a group policy at work
🏍️ India sees over 4 lakh road accidents every year — don’t leave it to chance.
🏥 What’s Not Covered?
Injuries under the influence of alcohol or drugs
Self-inflicted injuries or suicide attempts
Participation in dangerous sports or criminal acts
Pre-existing disabilities (usually excluded)
Always read the policy exclusions before you buy.
📈 Tax Benefit
Although personal accident insurance does not qualify for tax deductions under Section 80C or 80D, its real value lies in the financial safety it provides.
🛡️ Top Insurers Offering Personal Accident Insurance in India
Tata AIG Accident Guard
HDFC ERGO Personal Accident Plan
Bajaj Allianz Personal Guard
Star Health Personal Accident Policy
ICICI Lombard Personal Protect
📌 Final Word
Personal Accident Insurance is a low-cost, high-impact policy. It’s not a substitute for life or health insurance — it’s a powerful supplement. A small premium today can mean financial stability for your family tomorrow.