What Is Accidental Insurance?
Personal accident insurance provides financial protection in the event of accidental death or disability. It pays a lump sum for accidental death or permanent disability, and many plans offer weekly compensation for temporary total disability that prevents you from working.
Additional benefits may include children's education support, EMI protection, hospitalisation expenses arising from accidents, and transportation of mortal remains.
Accidents can happen to anyone, anywhere. Unlike term insurance, personal accident cover also protects against the financial impact of disability, which can be even more severe than death for a family.
Why Do You Need Accidental Insurance?
Income Protection
Replaces lost income if an accident prevents you from working, temporarily or permanently.
Affordable Premiums
Premiums are low relative to the cover provided.
Worldwide, 24x7 Cover
Most policies cover accidents anywhere in the world, round the clock.
Simple Issuance
Usually issued without detailed medical examinations.
Why Choose Our Accidental Insurance Services?
We ensure your accident cover fills the gaps left by life and health insurance.
Income-Linked Cover
Sum insured linked to your income, liabilities and responsibilities.
Benefit Comparison
Death, disability, education and EMI benefits compared across plans.
Integrated Protection
Accident cover coordinated with your term and health insurance.
Family Claim Support
Assistance with documentation and follow-up during claims.
Our Process
- Assess Your Needs Family, income, liabilities, health and existing cover.
- Compare the Market Plans from leading insurers compared on cover, exclusions and claim experience.
- Recommend the Right Cover Adequate sum insured with only the add-ons that add value.
- Smooth Issuance Help with proposals, disclosures and medical formalities.
- Renewals & Claims Support Timely renewals and full support during claims.
Start Your Journey Today
Speak with our team for a personalised, no-obligation discussion.
Frequently Asked Questions
Do I need accident insurance if I have term insurance?
Yes. Term insurance covers death but not disability; accident cover fills this important gap.
Does it cover hospital bills?
Some plans include accidental medical expenses up to a limit; health insurance remains the primary medical cover.
What is permanent total disability?
A disability that permanently prevents you from engaging in any occupation, as defined in the policy.
Is my occupation relevant?
Yes. Premiums and eligibility may vary based on the risk class of your occupation.
Can my family be covered?
Many insurers offer family plans covering spouse and children under one policy.