Accident Happens. Income Shouldn't Stop.
Compensation for accidental death or disability
100%
Death / PTD benefit possible
Income Aid
TTD in some plans
What is Personal Accident Insurance?
Personal Accident Insurance is a fixed-benefit policy that provides compensation if the insured suffers accidental death, permanent total disability, permanent partial disability or temporary total disability due to an accident. It is designed to reduce the financial shock caused by sudden injuries. Policybazaar notes that such plans cover physical loss due to accidental injuries leading to death or disability. :contentReference[oaicite:0]{index=0}\n\n> One accident can create medical costs and income loss at the same time. Personal accident cover addresses both risks.\n\nIt should complement health insurance and life insurance, not replace them.
Why Buy Insurance for Personal Accident from CoverTiger
We are not just another comparison site. CoverTiger is India's smartest insurance platform — powered by AI and driven by your family's unique needs.
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Our algorithm ranks plans purely on merit — coverage value, claim settlement, and hospital network — not commission.
Expert Assistance
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Secure & Trusted
IRDAI-approved platform with enterprise-grade encryption protecting your personal and financial data.
Hassle-free Claims
Our claim assistance team holds your hand through the entire process — from intimation to final settlement.
Benefits of Insurance for Personal Accident Policy
A comprehensive family health plan protects your savings and provides peace of mind when your loved ones need medical attention.
Accidental Death Benefit
Nominee receives payout in case of accidental death.
Disability Protection
Pays for permanent total or partial disability as per schedule.
Income Loss Support
Temporary disability benefits available in select plans.
Hospital Expense Support
Some plans include accidental hospital cash or treatment benefits.
Affordable Premium
Usually lower cost than many broader insurance products.
24x7 Worldwide Risk
Some plans offer round-the-clock coverage subject to terms.
Eligibility Criteria For Buying Insurance for Personal Accident
| Criteria | Details | Status |
|---|---|---|
| Adult Entry Age | Usually 18 to 65 years | Check Plan |
| Occupation Risk | Premium may vary by profession risk class | Check Plan |
| Medical Check-up | Often not required | Eligible |
Documents Required For Buying Insurance for Personal Accident
Most plans can be purchased 100% online — minimal paperwork required.
Identity Proof
- →Aadhaar Card
- →PAN Card
- →Passport-size photo
Address Proof
- →Utility Bill
- →Bank Statement
Profile Details
- →Occupation details
- →Nominee details
- →Income details if asked
Meet Your AI Insurance Advisor
for Your Family Health Insurance Advice
Unlike traditional insurance platforms that only display plan listings, CoverTiger provides an AI-driven assistant that guides users through the decision-making process — understanding your family's unique medical history, budget, and needs.
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Personalised Recommendations
Analyses 100+ parameters to suggest the most suitable plan for your family.
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Smart Plan Comparison
Instantly compare coverage, premiums, and insurer ratings with AI insights.
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Real-time Alerts
Get notified about renewals, premium changes, and better plan options.
CoverTiger AI Advisor
● Online — responds in seconds
What is Covered in a Insurance for Personal Accident Plan?
Accidental Death
Full payout to nominee subject to policy terms.
CoveredPermanent Total Disability
Loss of earning capacity due to accident. :contentReference[oaicite:1]{index=1}
CoveredPermanent Partial Disability
Benefit based on schedule of injuries.
CoveredTemporary Total Disability
Weekly compensation in select plans.
Plan-specificAmbulance / Hospital Cash
Available in some policies.
Plan-specificWhat is Not Covered in a Insurance for Personal Accident Plan?
Alcohol / Drug Influence
Claims from intoxication are commonly excluded. :contentReference[oaicite:2]{index=2}
ExcludedSelf-inflicted Injury
Standard market exclusion.
ExcludedAdventure / Hazardous Sports
Often excluded unless specifically covered.
Plan-specificWar / Nuclear Risks
Standard exclusion.
ExcludedFactors You Should Consider Before Buying a Insurance for Personal Accident
Occupation Risk Class
Hazardous jobs may impact pricing or eligibility.
Disability Benefit Table
Check payout percentages carefully.
Adequate Sum Insured
Base cover on income and liabilities.
Temporary Disability Benefit
Useful for salaried and self-employed earners.
Worldwide Cover
Useful for frequent travellers.
How to Buy Insurance for Personal Accident Plans
Online from CoverTiger
The entire process takes less than 10 minutes. No paperwork. No branch visits. 100% online.
Enter Details
Age, job, cover amount
Compare Plans
Benefits and premiums
Choose Plan
Select right accident cover
Complete KYC
Submit proposal info
Get Covered
Instant digital policy
Insurance for Personal Accident Blogs
Frequently Asked Questions
Everything you want to know about Insurance for Personal Accident.
₹25,000
deduction available
Save Tax with Section 80D
Premiums paid for eligible personal accident insurance plans may qualify under Section 80D subject to policy structure and prevailing tax rules.\n\n| Who is covered | Indicative deduction |\n|---|---|\n| Self, spouse & children | Up to ₹25,000 |\n| With senior citizen parents | Up to ₹75,000 |\n| Senior citizen self | Up to ₹50,000 |
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