Personal Accident

Personal Accidents Insurance means when the insured person meet with an accident which leads to any bodily injury or Permanent Disability or Temporary Disability during the policy period is covered under personal accident insurance with some additional benefits.
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Personal Accident means a sudden, unforeseen and involuntary event caused by external, visible and violent means which leads to an Eventuality, Bodily Injury, Permanent Total Disability, Permanent Partial Disability or Temporary Total Disability to a Person.


Personal Accident insurance has been designed specifically to cover risk against any Accidental Eventuality, Accidental Injury or Disabilities during the Policy Period.


These are the basic coverage's that are covered in all the companies.
  • Accidental Death.
  • Permanent Total Disability. 
  • Permanent Partial Disability.


ACCIDENTAL DEATH of the Insured Person on account of any Accidental injury, during the policy period it will be covered up to 100% of  sum Insured .


PERMANENT TOTAL DISABLEMENT  of the Insured Person such as loss of two hands or two feet or loss of sight of both the eyes etc.  on account of any Accident, during the policy period will be covered up to 100% of  sum Insured.


PERMANENT PARTIAL DISABILITY of the Insured Person such as Loss of middle finger, Loss of ring finger or Loss of metacarpus etc. on account of any Accidental Injury, during the policy period will be covered depending on the mentioned percentage grid by the companies on the sum Insured. 


  • Any pre-existing injury or physical condition;
  • Any intentional self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress or depression;
  • Influence of drugs , alcohols or other intoxication or hallucinogens;
  • War (whether declared or not) and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrection, mutiny, military or usurped power, seizure, capture , arrest, restraints and detainment of all kinds.
  • Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from, or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense. For the purpose of this exclusion.
  • Resulting due to any disease or infection except where such condition arises directly as a consequence of an accident during the Cover period.
  • Any claim related to Hazardous Activities.
  • Any specific time-bound or lifetime exclusions specified in the Policy Certificate.
  • Any medical or physical condition or treatment or service, which is specifically excluded under the Policy Certificate.
  • As a result of any curative treatments or interventions that you carry out or have carried out on your body.
  • Any treatment arising from or traceable to pregnancy (including voluntary termination), miscarriage (unless due to an Accident), childbirth, maternity (including caesarian section), abortion or complications of any of these. This exclusion will not apply to ectopic pregnancy.
  • Claim arising out of mental illness, stress, psychiatric or psychological disorders.
  • Any specific time-bound or lifetime exclusions specified in the Policy Certificate.