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Personal Accident Insurance

Secure your future with our affordable personal accident insurance plans. Buy personal accident cover and health insurance online with ABCD Aditya Birla Capital today!

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Personal Accident Insurance from ABCD?

Protecting yourself against unexpected events is essential, especially when financial stability is a priority. Personal accident insurance acts as a safety net, providing financial support in case of accidental injuries. This comprehensive coverage protects you and your loved ones from the potential financial burdens associated with unforeseen accidents.

Why Do You Need Personal Accident Insurance?

Financial Protection

Personal accident insurance provides a financial safety net to cover many costs, protecting you and your family.

Peace of Mind

Knowing that you and your loved ones are financially secure in case of an accident allows you to focus on recovery without worrying about the financial implications.

Comprehensive Coverage

Personal accident insurance often covers a wide range of accidents.

Secure Your Family's Future

By safeguarding your income and providing financial support, you can protect your family's future.

Types of Personal Accident Insurance Policy

Individual Personal Accident Insurance

This type of policy covers an individual against accidental death, loss of limbs or sight, or other permanent disabilities. It's ideal for individuals who want comprehensive coverage for themselves.

Group Personal Accident Insurance

This policy is usually offered by employers to their employees at a discounted rate. It's a cost-effective way for companies to provide their employees with accident insurance coverage.

Accidental Death Cover

This type of coverage provides a lump sum payout to the beneficiary in case of the policyholder's accidental death.

Permanent Total Disability Cover

This coverage pays a lump sum benefit to the policyholder if they suffer a permanent total disability due to an accident.

Permanent Partial Disability Cover

This coverage pays a lump sum benefit to the policyholder if they suffer a permanent partial disability due to an accident.

Temporary Total Disability Cover

This coverage provides a weekly or monthly income to the policyholder if they are temporarily unable to work due to an accident.

Benefits of a Personal Accident Insurance

Medical Expense Coverage

You can cover medical costs arising from accidents, including hospitalisation, surgeries, and medications.

Income Replacement

The insurance provides a lump sum amount during periods of disability, ensuring financial stability.

Lump Sum Benefits

It offers substantial lump sum payouts for accidental death or permanent disability.

Reduced Financial Stress

Knowing you're protected from unexpected financial burdens can alleviate stress and anxiety.

Focus on Recovery

You can concentrate on healing without worrying about financial implications.

Secure Your Family's Future

The coverage ensures your loved ones are financially protected in case of unforeseen accidents.

Our Personal Accident Insurance Plans At A Glance.

Prioritise your well-being with our pocket insurance and avail

Personal Accident Insurance

KEY FEATURES Our Term Insurance Plans

₹5 Lakh coverage for accidental death (PTD) or permanent partial disability (PPD).
Upto ₹75,000 coverage in case of loss of job due to accident (5% of PTD or PPD sum insured).
All of this will be provided for the sum of ₹176/year.

Cover

Rs. 5 Lakh

Premium Starting From

₹176/ year

BUY ONLINE

Get Insured in 5 Easy Steps

STEP

Select a personal accident insurance plan that aligns with your specific needs.

STEP

Share essential personal details like your name, age, contact information, and medical history.

STEP

Choose your desired coverage amount.

STEP

Understand what is covered and what is not.

STEP

Once your payment is confirmed, your insurance policy will be activated.

STEP

Understand what is covered and what is not.

STEP

Once your payment is confirmed, your insurance policy will be activated.

Things To Keep in Mind

Sum Insured

Choose a sum insured that adequately covers your financial needs in case of an accident.

Coverage Period

Consider the duration of the policy and whether you need annual or multi-year coverage.

Accidental Death and Disability Benefits

Ensure the policy covers both accidental death and various levels of disability.

Medical Expenses

Check if the policy covers medical expenses incurred due to accidents.

Income Loss Cover

If you're self-employed or have a fluctuating income, consider a policy that offers income loss benefits.

What's Covered v/s What's not Covered in Personal Accident Policy

What's Covered ?

₹5 Lakh coverage for accidental death (PTD) or permanent partial disability (PPD).
Upto ₹75,000 coverage in case of loss of job due to accident (5% of PTD or PPD sum insured).

What's not Covered ?

Pre-existing diseases
Heart diseases
HIV/AIDS
High blood pressure
Kidney disease
Liver disease
Lungs disease
Cancer
Blood disorders

Professions That Are Not Covered

Firemen
Law enforcement agencies (including police, Para-military, military forces)
Demolition workers
Junk or salvage workers
Loggers, lumber mill workers (tree fellers, people climbing trees as a part of their occupation)

Customer Satisfaction Stories

Hear from our happy customers what they have to say about their experience with us.

Arun Sharma

Aditya Birla Health Insurance

Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice

Mr. Rajinder Balhara

Aditya Birla Health Insurance Customer

Delhi, India

Mrs. Mangal Prathamesh Mithari

Aditya Birla Health Insurance Customer

Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.

Mr. Himanshu Chaturvedi

Aditya Birla Health Insurance Customer

Noida, India

Shruti Davda

Aditya Birla Health Insurance

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Understanding Personal Accident Insurance

Table of Contents

What is Personal Accident Insurance?
How does Personal Accident Insurance work?
What are the common types of coverage offered by Personal Accident Insurance?
What are the benefits of having Personal Accident Insurance?
What factors affect the premium of a Personal Accident Insurance policy?
What are the common exclusions in a Personal Accident Insurance policy?
How do I file a claim for a Personal Accident Insurance policy?
What documents are required to file a claim?
How do I choose the right Personal Accident Insurance policy?
Why is it important to have Personal Accident Insurance?
Need Help (Consult Accidental Insurance Policy Online & Claim Form)

What is Personal Accident Insurance?

Personal accident insurance is a type of insurance policy that provides financial protection against accidental injuries, disabilities, or death.

How does Personal Accident Insurance work?

You pay a premium to the insurance company. In case of an accident, the insurer pays you a lump sum or regular income, depending on the policy terms.

What are the common types of coverage offered by Personal Accident Insurance?

Common coverage includes accidental death, permanent total disability, permanent partial disability, temporary total disability, and medical expenses.

What are the benefits of having Personal Accident Insurance?

Financial security, peace of mind, protection for loved ones, tax benefits (in some cases), and additional benefits like emergency medical evacuation.

What factors affect the premium of a Personal Accident Insurance policy?

Factors like age, occupation, sum insured, and the level of coverage can influence the premium. .

What are the common exclusions in a Personal Accident Insurance policy?

Common exclusions include self-inflicted injuries, intentional acts, war, nuclear risks, and certain high-risk activities.

How do I file a claim for a Personal Accident Insurance policy?

Typically, you need to inform the insurer within a specified time frame and provide necessary documents like medical certificates and police reports.

What documents are required to file a claim?

Required documents may include a claim form, a copy of the insurance policy, medical certificates, police reports, and any other relevant documentation.

How do I choose the right Personal Accident Insurance policy?

Consider factors like your age, occupation, lifestyle, and financial needs. Consult with an insurance agent or advisor to understand your specific requirements.

Why is it important to have Personal Accident Insurance?

Accidents can happen unexpectedly, and the financial consequences can be significant. Personal Accident Insurance provides a safety net to protect you and your family from these risks.

Need Help (Consult Accidental Insurance Policy Online & Claim Form)

Claim intimation can be given by calling ABHIC's call centre- 18002707000, or by emailing care.healthinsurance@adityabirlacapital.com, or by writing to ABHIC’s office.

Provide the below-mentioned details within 7 days from the date of occurrence of the critical illness / medical event:

• COI number of the member
• Name of the group member
• Name and address of the Insured Person (Group member or the family members enrolled in the Policy) in respect of whom the request is being made
• Hospital where treatment/surgery was taken
• Date of admission and date of discharge or approximate length of stay
• Any other information that may be relevant to the Illness/ Injury/ Hospitalisation

FAQs on Personal Accident Insurance

Premium costs for personal accident insurance vary depending on factors like age, occupation, sum insured, and the level of coverage. It's best to consult with an insurance agent or directly with the insurance provider to get accurate quotes.

Personal Accident Insurance offers financial security by providing coverage for accidental death, disability, and medical expenses. It can help mitigate the financial burden associated with accidents.

Yes, most Personal Accident Insurance policies can be renewed annually.

You'll need to provide proof of identity proof of address, and medical information.

To file a claim, you'll usually need to notify your insurer promptly and provide necessary documents like medical certificates, police reports, and any other relevant paperwork.

Our Other Plans

Mental Health and Nutrition Insurance

The mental health and nutrition insurance provides counselling for both nutrition and mental health purposes. A 24/7 psychologist is also available online.

Know More