Life is unpredictable, and accidents can happen anywhere — on the road, at work, or even at home. While health insurance covers medical expenses, and life insurance provides for your family after death, personal accident insurance bridges the gap by offering financial support in case of accidental death, disability, or income loss.
In 2025, with rising road accidents and workplace hazards, having personal accident insurance is more relevant than ever.
What Personal Accident Insurance Covers
| Coverage Type | Details |
|---|---|
| Accidental Death | Lump sum payout to nominee |
| Permanent Total Disability | Full payout if you cannot work again |
| Permanent Partial Disability | Percentage payout depending on loss (e.g., limb, eyesight) |
| Temporary Total Disability | Weekly income for recovery period |
| Medical Expenses | Optional add-on for hospitalization due to accident |
What’s Not Covered
- Natural death (non-accidental)
- Self-inflicted injuries
- Injuries under the influence of alcohol/drugs
- Participation in hazardous sports without add-on cover
Why You Should Consider It
- Low Premiums: ₹500–₹1,500/year can give ₹10–₹20 lakh cover.
- Income Protection: Helps maintain financial stability during recovery.
- Works Alongside Other Policies: Complements life and health insurance.
Case Example
Rajesh, a 38-year-old delivery rider, met with an accident that left him unable to work for six months. His personal accident policy provided ₹10 lakh for partial disability and ₹15,000/month for recovery, keeping his household running until he could return to work.
Why It Matters
Accidents are sudden, but their financial impact can last for years. Personal accident insurance ensures that an injury doesn’t derail your finances or your family’s future.
Your health, income, and future are worth protecting — share this eBharat.com guide so more people learn the value of personal accident insurance.
Internal Links:
- Property Insurance in India – What Gets Covered, What Doesn’t
- Why Third-Party Motor Insurance Isn’t Enough in 2025
- Insurance for Mobile Phones – Scam or Safety?
