Personal Accident Insurance

Personal accident insurance is a policy that provides financial protection against accidental injuries, disabilities, or death. It covers medical expenses, hospitalization costs, and offers compensation for temporary or permanent disabilities.
Personal accident insurance is suitable for anyone, especially individuals with high-risk jobs, frequent travelers, sports enthusiasts, and anyone looking to protect themselves and their families from financial burdens due to accidental injuries.
Personal accident insurance typically covers accidental death, permanent total disability, permanent partial disability, temporary total disability, medical expenses, hospitalization costs, and sometimes additional benefits like education funds for children.
Yes, common exclusions include self-inflicted injuries, injuries sustained while under the influence of alcohol or drugs, participation in hazardous activities, pre-existing conditions, and injuries resulting from criminal activities.
The sum insured is usually based on the policyholder's income and can be chosen as a fixed amount. Some insurers offer coverage as a multiple of the policyholder's annual income.