About Us

Products

Resources

Download Freo

About Us

Products

Resources

Download Freo

Home

Insurance

Best Personal Accident Health Insurance

Best Personal Accident Health Insurance in India

Get insured

Accidents are unpredictable, but their consequences are often serious and long-lasting. From medical treatment to income loss, a single incident can put a family under financial stress. That’s where personal accident insurance steps in. It offers financial support in case of accidental injuries, disability, or death, filling the gaps that regular health insurance may not cover.

In India, the need for such coverage is growing with each passing year. According to recent reports:

More than 1.6 lakh lives were lost to road accidents in 2025, which was a 4.3% rise from the previous year

Overspeeding caused nearly 70% of traffic deaths in the same year

Young adults between 18 and 34 years made up 66% of all fatalities in 2024

Around 10,000 school students were among those who lost their lives in road accidents that year

These numbers highlight how vulnerable people of all ages are, especially on Indian roads. Choosing the right personal accident insurance plan can offer some much-needed financial security when things go wrong. In this blog, we’ll help you understand what personal accident insurance covers and explore some of the better options available in India today.

Best Parent Health Insurance Policies in India

Feature	Bajaj Allianz PAG	HDFC ERGO Elite PA	Aditya Birla Activ Secure	ICICI Lombard Protect PA	Niva Bupa PA	Star Accident Care	Tata AIG Accident Guard	Reliance 360Shield
Entry Age (Years)	18-70	18-65	18-65	18-75	18-65	18-65	18-70	18-65
Sum Insured (₹ Lakhs)	5-50 Lacs	5-50 Lacs	5-50 Lacs	5-50 Lacs	5-50 Lacs	5-25 Lacs	2-50 Lacs	3-50 Lacs
Eligibility	Indian residents meeting age limit	Indian resident within age criteria	Indian resident within age limit	Indian residents aged 18-75	Open to resident Indian adults	Indian residents aged 18-65	Resident Indians aged 18-70	Resident Indians 18-65
Accidental Death Benefit	Full sum insured payable on accidental death	Sum insured paid on accidental death	Lump sum paid for accidental death	Sum insured for accidental death	Sum assured paid to nominee	Sum assured paid on accidental death	Accidental death payout	Accidental death payout
Hospitalisation Coverage	Covers in-patient hospitalization costs due to accident	Covers hospitalization for accident-related injuries	Covers hospital expenses resulting from accident	Covers hospital bills for accidental injuries	Covers hospitalisation due to accident	Provides hospitalisation cover for accident	Covers hospitalisation for injuries due to accident	Hospitalisation due to accident
Medical Cover	Pays medical expenses up to insured limit	Reimburses medical bills for accident	Medical expenses covered up to sum age wise	Medical reimbursement included	Accident medical expenses covered	Covers medical costs due to accident	Medical reimbursement for accident cases	Reimburses accident-related medical bills
In‑patient Treatment Covered	Covered if due to accident, during hospitalisation	Covers inpatient accident treatments	Inpatient accident care covered	Yes - under in-patient due to accident	Inpatient treatment for accident-related cases	IPD due to accidental injury covered	IPD for accidental injuries covered	Covers in-patient for accidents
Disability Compensation (PTD, PPD, TTD)	Provides full disability benefits for PTD, PPD, TTD as per schedule	Covers PTD, PPD, and weekly benefit for TTD	Comprehensive coverage for PTD, PPD, TTD	Offers full PTD/PPD and TTD benefits	Provides defined benefits for PTD, PPD, and TTD	Covers PTD, PPD, TTD per benefit schedule	Comprehensive PTD/PPD/TTD compensation	PTD, PPD, TTD compensation included
Cashless Coverage	Not available - reimbursement basis only	Claims reimbursed post-treatment	Reimbursement platform - no cashless hospitals	Reimbursement only; no cashless feature	Reimbursement mode only	Claims on reimbursement	Reimbursement mode; hospital must be reimbursed	Reimbursement-only claims
Income‑tax Benefit	Premium deductible under Section 80D	Eligible for tax benefit under 80D	Tax-exempt premium under 80D	Premium eligible for Section 80D deduction	Premium eligible for deduction	Offers tax benefit under 80D	Tax deduction under Section 80D	Deductible premium under 80D
Child Education Support	Not provided	Not provided	Not offered	Not available	Not included	Not included	Not included	Not included

* Please read the disclaimer at the end of this page before purchasing this policy.

Our Top Recommended Accident Health Insurance Policies

HDFC ERGO Elite PA

Why It Stands Out

Comprehensive disability coverage, including PTD (Permanent Total Disability), PPD (Permanent Partial Disability), and a weekly benefit for TTD (Temporary Total Disability).

Offers tax benefits under Section 80D.

Potential Limitations

Cashless coverage is not available; claims are reimbursed post-treatment.

Child Education Support is not provided.

Aditya Birla Activ Secure

Why It Stands Out

Provides comprehensive coverage for PTD, PPD, and TTD.

Medical expenses are covered up to the sum insured, adjusted age-wise.

Offers tax-exempt premiums under Section 80D.

Potential Limitations

Cashless coverage is not available; it operates on a reimbursement platform.

Child Education Support is not offered.

ICICI Lombard Protect PA

Why It Stands Out

Has a wider entry age limit, accepting Indian residents aged 18–75 years, which is broader than some other plans.

Offers full PTD/PPD and TTD benefits.

Premium is eligible for Section 80D deduction.

Potential Limitations

Cashless features are not available; it is a reimbursement-only plan.

Child Education Support is not available.

Niva Bupa PA

Why It Stands Out

Provides defined benefits for PTD, PPD, and TTD.

Offers tax benefits under Section 80D.

Potential Limitations

Cashless coverage is not available; claims are processed on a reimbursement mode only.

The maximum Sum Insured is ₹25 Lacs, which is lower than the ₹50 Lacs offered by several other plans

Child Education Support is not included.

Get insured

Stay prepared for the unexpected.

In case of accidents, we’ve got your back – anytime, anywhere - Starting at ₹129

Buy Now

What is Personal Accident Insurance?

Personal Accident Insurance is a policy that offers financial protection if you get seriously injured or die due to an accident. It’s designed to support you or your family when life takes an unexpected turn. This type of insurance covers situations like permanent disability, partial disability, or accidental death, depending on the policy terms. The payout helps cover medical bills, treatment costs, and lost income due to your inability to work. Some policies even offer daily hospital allowances or coverage for ambulance charges.

Unlike regular health insurance that covers a wide range of illnesses, this one is specific to accidents only. You don’t need to go through any complicated medical tests to get it, and the premiums are usually affordable.

Why You Should Seriously Consider Buying Personal Accident Insurance

Accidents can happen anytime, no matter how careful you are. Having personal accident cover helps you stay financially prepared when things go wrong. Here's why it’s worth getting:

Financial Protection from Accidents and Injuries: If you meet with an accident, even small treatments can be expensive. This policy helps cover those sudden medical bills and offers financial support during recovery. Whether it's a broken bone or hospitalisation, you won’t have to drain your savings.

Financial Protection from Accidents and Injuries: If you meet with an accident, even small treatments can be expensive. This policy helps cover those sudden medical bills and offers financial support during recovery. Whether it's a broken bone or hospitalisation, you won’t have to drain your savings.

Lifetime Security for Family Members: If an accident leads to death, the policy gives a lump sum payout to your family. This helps them stay financially stable and take care of regular expenses, education, or loans. It gives them support when they need it the most.

Lifetime Security for Family Members: If an accident leads to death, the policy gives a lump sum payout to your family. This helps them stay financially stable and take care of regular expenses, education, or loans. It gives them support when they need it the most.

A Must-Have for People in Risky Jobs: If you work in construction, transport, factories, or any field with high exposure to physical risks, you face a greater chance of accidents. Personal accident insurance becomes essential in such environments, giving you peace of mind knowing that you and your family are protected if something goes wrong on the job.

A Must-Have for People in Risky Jobs: If you work in construction, transport, factories, or any field with high exposure to physical risks, you face a greater chance of accidents. Personal accident insurance becomes essential in such environments, giving you peace of mind knowing that you and your family are protected if something goes wrong on the job.

Helps Reduce the Cost of Disability Treatment: Dealing with a temporary or permanent disability often requires long-term care, therapy, and special equipment. These costs can put a serious strain on your budget. This insurance helps cover those extra costs, making life after an accident more manageable without added financial pressure.

Helps Reduce the Cost of Disability Treatment: Dealing with a temporary or permanent disability often requires long-term care, therapy, and special equipment. These costs can put a serious strain on your budget. This insurance helps cover those extra costs, making life after an accident more manageable without added financial pressure.

Add-Ons That Make the Plan Even Better: Most insurers offer extra features like daily hospital cash, ambulance charges, education support for kids, or even temporary income loss cover. These small additions make the plan stronger and more useful when life takes an unexpected turn.

Add-Ons That Make the Plan Even Better: Most insurers offer extra features like daily hospital cash, ambulance charges, education support for kids, or even temporary income loss cover. These small additions make the plan stronger and more useful when life takes an unexpected turn.

Types of Personal Accident Insurance Policies

When it comes to personal accident insurance, there are mainly two types of policies you should know about:

Individual Accident Insurance

This policy is meant for a single person. It covers you against accidental injuries, disability, and even accidental death. If anything unfortunate happens, the insured or their family receives financial support as per the coverage amount. It’s a good choice if you're looking for personal protection and want control over your own policy benefits.

Group Accident Insurance

This one is usually offered by employers or organisations to a group of people. The coverage might not be as high as an individual plan, but it’s more affordable and often comes with basic protection. It's helpful for companies that want to provide a safety net for their employees or members.

Benefits of a Personal Accident Insurance Policy

Personal accident insurance comes with several benefits that can really help you and your family stay financially stable in tough times. Here's what you get with a good policy:

Hospitalisation Expenses Covered (Optional)

Some policies offer an optional add-on that covers your hospital expenses after an accident. This includes room rent, doctor’s fees, medicine costs, and more. You don’t have to worry about paying out of pocket when you're already dealing with an emergency.

Coverage Against Accidental Death

In case of an unfortunate accident that leads to death, the policy pays a lump sum to your nominated family member. This payout can help your family handle their expenses and maintain stability during a difficult period.

Protects Your Family

The financial support provided by this policy can ease the burden on your family. Whether it’s paying for daily needs, loans, or your child’s education, this insurance ensures your family doesn’t struggle financially if something happens to you.

Speedy Claim Processing

Most personal accident insurance providers ensure a faster claim settlement process. This helps families get immediate support when they need it most, without unnecessary delays or confusion.

Cumulative Bonus Benefit

If you don’t raise any claims during your policy period, you might receive a cumulative bonus. This means your coverage amount increases each year you stay claim-free, giving you extra protection at no extra cost.

Coverage Against Permanent Total Disability

If an accident leaves you permanently disabled and unable to work, this policy provides financial support. It helps you manage your future, cover daily expenses, and continue living with dignity even if your income stops.

Cost-Effective Policy

One of the best things about personal accident insurance is that it is usually quite affordable. Even with a small premium, you get a decent coverage amount, making it a smart choice for anyone who wants to stay protected without spending too much.

Tax Benefits Under a Personal Accident Policy

If you’ve bought a personal accident insurance policy, there’s some good news on the tax front. In India, the premium you pay for this policy can be claimed as a deduction under Section 80D of the Income Tax Act.

Although this section is usually associated with health insurance, it also covers premiums paid for accident covers, as long as the policy is for yourself, your spouse, dependent children, or parents.

Here’s how to do it:

Here’s how to do it:

You can claim a deduction of up to ₹25,000 in a year if the policy covers you, your spouse, and children.

If you're also paying for your parents’ personal accident policy, and they’re senior citizens, you can claim an additional deduction of up to ₹50,000.

Just make sure you pay the premium through a non-cash mode. This deduction is only available when the payment is made via cheque, online transfer, or card. Cash payments won’t qualify.Although this section is usually associated with health insurance, it also covers premiums paid for accident covers, as long as the policy is for yourself, your spouse, dependent children, or parents.

Even though personal accident insurance doesn’t cover regular illnesses, it still qualifies for tax relief because it provides financial protection in case of physical injuries, permanent disabilities, or accidental death.

What’s Covered Under an Individual Personal Accident Insurance?

Even though personal accident insurance offers valuable support during tough times, it’s important to know what isn’t covered. Here’s a list of situations where your claim is likely to get rejected:

Accidental Death – If the policyholder passes away due to an accident, the nominee receives the full sum insured. This money can help the family stay financially stable during a difficult time.

Accidental Death – If the policyholder passes away due to an accident, the nominee receives the full sum insured. This money can help the family stay financially stable during a difficult time.

Fractures – The policy covers bone fractures that happen due to an accident. Whether it’s a broken arm or leg, the insurer provides a fixed payout depending on the severity and location of the fracture.

Fractures – The policy covers bone fractures that happen due to an accident. Whether it’s a broken arm or leg, the insurer provides a fixed payout depending on the severity and location of the fracture.

Permanent Total or Partial Disability – If the accident results in permanent disability, like losing a limb or losing eyesight, the policyholder receives compensation. Whether it’s full or partial disability, this payout helps manage treatment costs and income loss.

Permanent Total or Partial Disability – If the accident results in permanent disability, like losing a limb or losing eyesight, the policyholder receives compensation. Whether it’s full or partial disability, this payout helps manage treatment costs and income loss.

Reconstructive Surgery – Some accidents may leave behind physical injuries that require surgery. If the injury affects appearance or function, the policy usually covers reconstructive or corrective surgeries.

Reconstructive Surgery – Some accidents may leave behind physical injuries that require surgery. If the injury affects appearance or function, the policy usually covers reconstructive or corrective surgeries.

Child Education Grant – If the policyholder dies or becomes permanently disabled, some plans provide a lump sum to support their child’s education. This benefit helps secure the child’s future in case of tragedy.

Child Education Grant – If the policyholder dies or becomes permanently disabled, some plans provide a lump sum to support their child’s education. This benefit helps secure the child’s future in case of tragedy.

Mobility Cover – If the policyholder needs special mobility equipment after the accident, such as a wheelchair or prosthetic limb, the cost is covered up to a certain limit. This makes daily life a bit easier while recovering.

Mobility Cover – If the policyholder needs special mobility equipment after the accident, such as a wheelchair or prosthetic limb, the cost is covered up to a certain limit. This makes daily life a bit easier while recovering.

Major Diagnostics– After an accident, you may need advanced diagnostic tests like MRIs or CT scans. Some policies offer coverage for these costs as part of the post-accident care.

Major Diagnostics– After an accident, you may need advanced diagnostic tests like MRIs or CT scans. Some policies offer coverage for these costs as part of the post-accident care.

Severe Burns – If the policyholder suffers burns due to an accident, the policy provides a payout based on the severity. This helps cover treatment, hospital stays, and possible cosmetic procedures.

Severe Burns – If the policyholder suffers burns due to an accident, the policy provides a payout based on the severity. This helps cover treatment, hospital stays, and possible cosmetic procedures.

Transportation of Mortal Remains– If the insured person passes away due to the accident, the policy takes care of the cost to transport the mortal remains back home. It’s a small but important support to help families during emotional distress.

Transportation of Mortal Remains– If the insured person passes away due to the accident, the policy takes care of the cost to transport the mortal remains back home. It’s a small but important support to help families during emotional distress.

What’s Not Covered in Individual Personal Accident Insurance?

Self-Inflicted Injuries or Suicide – If an injury or death is caused by intentional self-harm or suicide, the insurance won’t cover it. Since these acts are not accidental, they are excluded from most policies.

Self-Inflicted Injuries or Suicide – If an injury or death is caused by intentional self-harm or suicide, the insurance won’t cover it. Since these acts are not accidental, they are excluded from most policies.

Accidents Under the Influence – If the accident happens while the person is drunk or under the effect of drugs that are not prescribed by a doctor, the claim will likely be rejected. Insurance only applies when a person is in a normal and responsible state of mind.

Accidents Under the Influence – If the accident happens while the person is drunk or under the effect of drugs that are not prescribed by a doctor, the claim will likely be rejected. Insurance only applies when a person is in a normal and responsible state of mind.

Breaking the Law on Purpose – If the injury or death occurs while committing a crime or breaking the law with a criminal intent, the insurer will not provide any compensation.

Breaking the Law on Purpose – If the injury or death occurs while committing a crime or breaking the law with a criminal intent, the insurer will not provide any compensation.

Pre-Existing Disability or Injuries – Any disability or injury that existed before the policy started is usually not covered. The policy is meant to protect you from new, unexpected accidents, not old issues.

Pre-Existing Disability or Injuries – Any disability or injury that existed before the policy started is usually not covered. The policy is meant to protect you from new, unexpected accidents, not old issues.

Complications from Childbirth or Pregnancy – Any injury or death resulting from pregnancy-related complications or childbirth is generally not considered an accident under this policy.

Complications from Childbirth or Pregnancy – Any injury or death resulting from pregnancy-related complications or childbirth is generally not considered an accident under this policy.

HIV/AIDS – Injuries or conditions that arise due to AIDS or HIV are typically excluded, as they fall under long-term illnesses and not sudden accidents.

HIV/AIDS – Injuries or conditions that arise due to AIDS or HIV are typically excluded, as they fall under long-term illnesses and not sudden accidents.

Riots, Civil Commotion, or Violent Acts – If someone gets injured while participating in riots, violent protests, or any sort of civil unrest, the insurance company won’t accept the claim. These situations are seen as high-risk and intentional involvement.

Riots, Civil Commotion, or Violent Acts – If someone gets injured while participating in riots, violent protests, or any sort of civil unrest, the insurance company won’t accept the claim. These situations are seen as high-risk and intentional involvement.

Participation in Crimes or Felonies – Any injuries that happen while committing or attempting to commit a felony or crime are also not covered. The policy does not apply when someone is knowingly putting themselves in unlawful situations.

Participation in Crimes or Felonies – Any injuries that happen while committing or attempting to commit a felony or crime are also not covered. The policy does not apply when someone is knowingly putting themselves in unlawful situations.

High-Risk Adventure Activities– High-risk activities like skydiving, bungee jumping, scuba diving, or similar adventure sports are excluded unless you buy an add-on specifically for such risks. These are considered voluntary, high-danger situations that go beyond normal coverage.

High-Risk Adventure Activities– High-risk activities like skydiving, bungee jumping, scuba diving, or similar adventure sports are excluded unless you buy an add-on specifically for such risks. These are considered voluntary, high-danger situations that go beyond normal coverage.

Documents Required to Buy Personal Accident Insurance in India

If you're planning to buy personal accident insurance, the paperwork is quite simple. Insurers just need a few basic documents to get started. Here’s what you’ll typically need:

Proposal Form: This is the main application form where you share personal and nominee details, policy preferences, and health declarations.

Proposal Form: This is the main application form where you share personal and nominee details, policy preferences, and health declarations.

ID Proof: This could be your Aadhaar Card, Passport, Voter ID, PAN card, or any government-issued photo ID.

ID Proof: This could be your Aadhaar Card, Passport, Voter ID, PAN card, or any government-issued photo ID.

Address Proof: Documents like your utility bill, Aadhaar, or passport are generally accepted.

Address Proof: Documents like your utility bill, Aadhaar, or passport are generally accepted.

Age Proof: Your birth certificate, PAN card, or passport can work here.

Age Proof: Your birth certificate, PAN card, or passport can work here.

Passport-size Photo: Most insurers will ask for a recent photo for their records.

Passport-size Photo: Most insurers will ask for a recent photo for their records.

Income Proof (if applicable): Some plans, especially those with higher coverage, may ask for salary slips, income tax returns, or bank statements to assess your financial profile.

Income Proof (if applicable): Some plans, especially those with higher coverage, may ask for salary slips, income tax returns, or bank statements to assess your financial profile.

These documents help insurance companies verify your details and issue the policy quickly. Most insurers now offer an easy online process, where you can upload these documents digitally and get covered in just a few steps.

These documents help insurance companies verify your details and issue the policy quickly. Most insurers now offer an easy online process, where you can upload these documents digitally and get covered in just a few steps.

How to Raise Claims for Personal Accident Insurance in India

Raising a claim for personal accident insurance isn’t complicated when you know the steps. Here's how you can get started:

Cashless Claim Process

If you’re getting treatment at a hospital that’s tied up with your insurance company (called a network hospital), you can go for a cashless claim. That means the insurance company directly settles the bill with the hospital, so you don’t have to pay out of your own pocket.

If you’re getting treatment at a hospital that’s tied up with your insurance company (called a network hospital), you can go for a cashless claim. That means the insurance company directly settles the bill with the hospital, so you don’t have to pay out of your own pocket.

Here’s how to do it:

Here’s how to do it:

Step 1: Inform your insurance company as soon as the accident happens. Most insurers have a toll-free number or mobile app to register claims quickly.

Step 1: Inform your insurance company as soon as the accident happens. Most insurers have a toll-free number or mobile app to register claims quickly.

Step 2: Visit a listed network hospital and show your health card or policy details at the insurance helpdesk.

Step 2: Visit a listed network hospital and show your health card or policy details at the insurance helpdesk.

Step 3: Fill out a pre-authorisation form provided by the hospital. This form is sent to your insurer for approval.

Step 3: Fill out a pre-authorisation form provided by the hospital. This form is sent to your insurer for approval.

Step 4: Once the insurer approves the estimated expenses, the hospital gets the go-ahead for cashless treatment.

Step 4: Once the insurer approves the estimated expenses, the hospital gets the go-ahead for cashless treatment.

Step 5: After treatment, the insurer directly settles the final bill with the hospital. You only pay for non-covered items or extra charges, if any.

Step 5: After treatment, the insurer directly settles the final bill with the hospital. You only pay for non-covered items or extra charges, if any.

Reimbursement Claim Process

If you end up getting treatment at a non-network hospital or didn’t go for cashless for any reason, you’ll need to pay the bills yourself first. Later, you can file for reimbursement from your insurer.

If you end up getting treatment at a non-network hospital or didn’t go for cashless for any reason, you’ll need to pay the bills yourself first. Later, you can file for reimbursement from your insurer.

Here’s what you need to do:

Here’s what you need to do:

Step 1: Inform your insurer right after the accident and start collecting all relevant medical documents, bills, and reports.

Step 1: Inform your insurer right after the accident and start collecting all relevant medical documents, bills, and reports.

Step 2: Once you’re discharged, make sure you collect the final hospital bill, discharge summary, test reports, prescriptions, and payment receipts. Keep everything safely filed.

Step 2: Once you’re discharged, make sure you collect the final hospital bill, discharge summary, test reports, prescriptions, and payment receipts. Keep everything safely filed.

Step 3: Download the claim form from the insurer’s website or app, fill it out carefully, and attach all the required documents.

Step 3: Download the claim form from the insurer’s website or app, fill it out carefully, and attach all the required documents.

Step 4: Submit the form along with the documents either online or physically (as per your insurer’s guidelines).

Step 4: Submit the form along with the documents either online or physically (as per your insurer’s guidelines).

Step 5: The insurer will go through your papers and reimburse the approved amount directly into your bank account.

Step 5: The insurer will go through your papers and reimburse the approved amount directly into your bank account.

This method takes a bit more effort, but as long as your policy covers the treatment and your paperwork is in order, the claim usually goes through smoothly.

Read More: Learn how to claim health insurance with this simple, step-by-step guide.

Comparing Accident Insurance vs.
Health Insurance

Aspect	Accident Insurance	Health Insurance
What It Covers	Covers situations that happen due to an accident such as fractures, disability, or death.	Covers medical expenses that arise due to illness, surgeries, hospitalisation, or other health-related conditions.
When It Pays	Pays only when an injury or loss is directly caused by an accident.	Pays for hospitalisation and treatments caused by sickness or accidents, depending on the policy.
Payout Structure	In many cases, a lump sum amount is given if the person becomes disabled or dies in an accident. For minor injuries, actual medical expenses may be covered.	Works on a reimbursement or cashless basis. You either get money back for medical expenses or the insurer settles it directly with the hospital.
Premium Costs	Usually lower in cost compared to health insurance since it covers specific risks only.	Premiums are higher as it includes a wide range of illnesses, treatments, and hospitalisation benefits.
Eligibility	Available to most individuals without many medical checks.	May require medical history or health check-ups, especially for older applicants or those with existing health problems.
Hospitalisation Requirement	Hospitalisation may not always be needed for a claim. Even outpatient expenses or temporary disability can be covered.	Most claims require hospitalisation for at least 24 hours, except for procedures listed as day-care treatments.
Types of Benefits	Includes compensation for permanent or partial disability, accidental death benefit, daily cash benefit during recovery, and more.	Offers coverage for room rent, ICU charges, doctor consultation, surgeries, medicines, and diagnostic tests.
Policy Term and Renewal	Usually issued for one year and renewed annually. The amount paid is fixed as per the cover chosen.	Comes with annual or multi-year plans. Renewal benefits like no-claim bonuses and lifelong renewals are often available.
Who Should Buy	Helpful for people with high physical risk jobs, frequent travellers, or those who want extra financial protection in case of an accident.	Suitable for everyone, especially families, to manage rising medical costs related to illnesses or planned treatments.
Claim Process	Requires proof that the injury or death was caused by an accident. May involve police reports, FIR, or medical records.	Needs medical records, hospital bills, and discharge summaries. Some insurers allow cashless treatment at network hospitals.

FAQs

Can I have more than one personal accident insurance policy?

Do these policies cover sports injuries too?

What is the claim period for personal accident insurance?

How much accidental insurance coverage should I get?

Do I need a medical check-up before buying accident insurance?

What’s the entry age for a personal accident insurance policy?

Can I claim tax benefits on the premium I pay?

When can I claim the benefits after buying the policy?

Why do I need this if my health insurance already covers accidents?

Is international coverage included in personal accident insurance?

How quickly are claims settled in personal accident insurance?

What is considered ‘adequate coverage’ under accident insurance?

Disclaimers & Important Conditions

Information is sourced from official insurer brochures and policy documents listed above.

Actual coverage amounts, entry ages, and benefits may vary; always confirm with the insurer’s latest policy terms.

Policies cover only accident-related events; illness or non-accident claims are not eligible.

Cashless facility is generally not available; all claims are processed on a reimbursement basis.

OPD treatment and child-education benefits are not provided under these plans.

Ensure you have the correct policy wording before purchasing; tax benefits apply under section 80D of the Income Tax Act.

This table is for informational purposes only and does not constitute financial or legal advice.

Make the Move

What are you waiting for?

Download Freo

MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Terms & Conditions

Make the Move

What are you waiting for?

Download Freo

Our Products

Quick Links

Calculators

MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Terms & Conditions

Make the Move

What are you waiting for?

Download Freo

MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Terms & Conditions