July 22, 2021

Accidents can occur with anyone and at any time, so it’s better to stay prepared against such uncertainties. According to The Ministry of Road, Transport, and Highways, 1.5 Lakh people lost their lives in road accidents in the year 2018. It counts to the death of 17 people every hour due to road accidents.

As the number of accidents is increasing drastically, it becomes quite essential to get covered against accidents. A Personal Accident Insurance Policy provides cover for accidental body injuries, disablement or death.

Coverage under Personal Accident Insurance Policy

Disability Cover

An accident can leave you with a temporary or permanent disability. The physical disability caused may impact your earning capability, and you may also need to go for medical treatment that will incur huge financial losses. To provide the coverage, you need to get a Personal Accident Insurance Policy.

Accidental Death

In the event of an accident, Personal Accident Insurance pays the entire Sum Assured to the family or assigned nominee. It serves as a financial cover for the deceased family.

Family Transportation

In the event of an accident, the insurance company will reimburse the transportation costs for a family member to reach the hospital where you are hospitalized.

Home Alteration & Vehicle Modification

Consider a scenario where you get disabled due to an accident and become wheelchair-bound. Due to your physical disability, it requires to alter your home and make suitable modifications in the vehicle. You can ask the insurance company to pay for the costs incurred for making these modifications.

Pick the Best Personal Accident Insurance Policies

When it comes to buying a personal accident insurance policy, you may scroll down to look at some of the best plans from insurance companies offering customized coverage.

Tata AIG Accident Guard Policy

Tata AIG Accident Guard is a comprehensive accident insurance policy that covers you against unforeseen accidental adversities. This personal accident policy provides compensation against accidental bodily injury resulting in death or disability. You can choose from two plan variants to get coverage against the accidental mishaps. This policy offers you worldwide coverage against accidental death and disability.

ICICI Lombard Personal Protect Plan

Personal Protect Plan from ICICI Lombard offers cover for accidental death and permanent total disability. Under this plan, you are covered for accidental hospitalization expenses and pays daily hospital allowance. This plan comes with six different variants to ensure the comprehensive coverage against uncertainties that may struck due to an accident.

HDFC ERGO Personal Accident Insurance Policy

HDFC ERGO offers Personal Accident Insurance Policy that offes protection against any accidental mishap. By buying this policy, you will get cover against death or disability caused due to an accident. This personal accident insurance policy also offers an option to get the add-on covers that will boost protection against accidental mishaps.

Bharti AXA Smart Individual Personal Accident Insurance Policy

Bharti AXA Smart Individual Personal Accident Insurance Policy offers a complete financial cover, in the event of accidental disability or death arising from an accidental mishap. This personal accident policy covers you for accidental death, permanent total/partial disablement & temporary total disablement.


This blog mentions just a few Personal Accident Insurance Policies. To meet your specific needs, you must explore plans from different insurers and choose the right one. You can check the features, benefits and other details of the plans online. Just pick the right plan and get instant coverage online.

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