Personal Accident Insurance

“Life is full of surprises & uncertain, good things & bad incidents both are always chances with you. You don’t have choices & you can’t avoid bad things but you should have to prepare while bad elements will stuck you. Accidents never make knock on your door it always a sudden. Here accident policy will protect you from these types of events”

Personal accident insurance called PA Policy provides compensations in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. It is different from life insurance or any health insurance policy. This is basically & mainly designed to offer some sort of compensations to the insured person who suffer bodily injury solely as a result of an accident which is external, violent, and visible. Hence death or injury due to any illness or dieses is not covered in the policy

Two type of policy

1. Individual Personal Accident
2. Group Personal Accident

Types of benefit under Personal Accident Policy

• Accidental Death
• Permanent Total Disability
• Permanent Partial Disability
• Temporary Total Disability ( Loss of income due to accidental )
• Accidental Medical expenses
• Broken Bones
• Fracture care
• Ambulance Expenses
• Air Ambulance
• Children Education benefit
• Coma Due to accidental bodily injury
• EMI Payment
• Hospital Cash
• Loan Protector
• Travel Expenses benefit
• Burns
• Comatose
• Prosthetics
• Transportation of mortal remains
• Head & Spinal Injury
• Modifications Made at Home/Vehicle
• Funeral expenses
• Marriage Expenses of Children
• Elderly care
• Adventure Sports

Road accident summary according to 2020

• Number of accident – 366138
• Number of person killed – 131714
• No of injuries – 348279

Age band person Victim

• 18 to 20 – 27612
• 25 to 35 – 34947
• 35 to 45 – 29379