Life is unpredictable — accidents can happen on the road, at work, or even at home.
While health insurance covers your hospital bills, and life insurance provides for your family after death, personal accident insurance bridges the gap by offering financial support in case of:
- Accidental death
- Permanent disability
- Temporary loss of income due to an accident
With rising road accidents, workplace hazards, and urban traffic chaos in 2025, having personal accident insurance is more important than ever.
What Personal Accident Insurance Covers
| Coverage Type | Details |
|---|---|
| Accidental Death | Lump sum payout to nominee in case of death due to accident. |
| Permanent Total Disability | Full payout if the policyholder is unable to work again. |
| Permanent Partial Disability | Percentage payout based on the loss (e.g., limb, eyesight). |
| Temporary Total Disability | Weekly/monthly income during recovery period. |
| Medical Expenses (Add-on) | Covers hospitalization costs due to an accident. |
What’s Not Covered
- Natural death (non-accidental causes)
- Self-inflicted injuries
- Accidents under the influence of alcohol/drugs
- Hazardous sports activities without a special add-on
Why You Should Consider Personal Accident Insurance
- Low Premiums — ₹500–₹1,500/year can give ₹10–₹20 lakh cover
- Income Protection — Keeps household expenses running during recovery
- Works with Other Policies — Complements health and life insurance
Real-Life Example
Rajesh, a 38-year-old delivery rider, had an accident that left him unable to work for six months.
His personal accident policy paid:
- ₹10 lakh for partial disability
- ₹15,000/month for six months to cover living expenses
This kept his household financially stable until he could return to work.
eBharat’s Take in 2025
Accidents are sudden, but their financial consequences can last for years.
Personal accident insurance ensures that an injury doesn’t derail your finances or your family’s future.
It’s especially valuable if you:
- Travel frequently by road
- Work in physically demanding or hazardous jobs
- Are the main earning member of your family
Protect Your Income & Family Today
Get Personal Accident Insurance for accidental death, disability, and income protection — starting at just ₹500/year.
No fees. No targets. 100% online onboarding in 2–3 days.
