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Contents
  1. Personal Accident Insurance
  2. Life is uncertain. Accidents happen. You can do nothing but prepare for it.
  3. What is a Personal Accident Insurance Policy?
  4. What are the Coverages under a Personal Accident Insurance Policy?
  5. Accidental Death:
  6. Permanent Total Disability:
  7. Permanent Partial Disability:
  8. How to purchase a Personal Accident Insurance Policy?
  9. What are the Add-On Covers under a Personal Accident Insurance Policy?
  10. What is Accidental Hospitalisation Expenses Add-On Cover in a Personal Accident Insurance Policy?
  11. What is Transportation of Mortal Remains Add-On Cover in a Personal Accident Insurance Policy?
  12. What is Adventure Sports Cover Add-On Cover in a Personal Accident Insurance Policy?
  13. What is Children's Education Benefit Add-On Cover in a Personal Accident Insurance Policy?
  14. What is EMI Payment Add-On Cover in a Personal Accident Insurance Policy?
  15. What is Loan Protector Add-On Cover in a Personal Accident Insurance Policy?
  16. What is Loss of Income due to Accidental Disability Add-On Cover in a Personal Accident Insurance Policy?
  17. What are the exclusions under a Personal Accident Insurance Policy?
  18. Secure your family with a Personal Accident Insurance Policy – Get a Rs5 Lakh Cover at just Rs300/month
  19. FAQS
  20. Testimonials

Personal Accident Insurance

Life is uncertain. Accidents happen. You can do nothing but prepare for it.

A Road Accident or an Injury sustained during Bungee Jumping can throw your family's life into despair.

A Disability caused due to an Accident means that you might not be able to go to work.

You suffer from Loss of Income. All this while your Kids' education expenses and regular household expenses continue. At the same time, your Treatment Expenses for Injury increase.

This can be a very difficult situation to manage.

If you have not prepared for such an eventuality, you are putting your family at risk.

You can secure your family from such an eventuality by purchasing a Personal Accident Insurance Policy (also known as PA Insurance Policy).

It is always wise to be prepared for the unexpected.

Personal Accident Insurance

What is a Personal Accident Insurance Policy?

A Personal Accident Insurance is a type of Insurance Policy which reimburses the Insured Person if he/she suffers from an Accidental Death or Permanent or Temporary Disability on account of an Accident.

What are the Coverages under a Personal Accident Insurance Policy?

A Basic Personal Accident Insurance Policy provides reimbursement to the Insured Person for the following:

  • Accidental Death:

    If the Insured Person dies due to an Accident, the PA Insurance Policy will pay the Sum Insured specified in the Policy Schedule.
  • Permanent Total Disability:

    If an Insured Person suffers from Permanent Total Disablement, he would receive compensation as specified in the Policy Schedule.

Permanent Total Disability for the purpose of PA Insurance implies the following:

  1. Loss of Sight of both eyes
  2. Physical Separation of or the Loss of Ability to use both hands or both feet
  3. Physical Separation of or the Loss of Ability to use one hand and one foot
  4. Loss of Sight of one eye and the Physical Separation of or the Loss of Ability to use either one hand or one foot
  • Permanent Partial Disability:

    If the Insured Person suffers from an Accidental Bodily Injury which results in Permanent Partial Disability, the Insurance Policy will pay the Sum Insured specified in the Policy Schedule.

How to purchase a Personal Accident Insurance Policy?

Following documents are required to purchase a Personal Accident Insurance Policy:

  1. Duly Filled and Signed Proposal Form
  2. Last 3 years ITR and PAN Card of the Proposer
  3. Address Proof of the Proposer

What are the Add-On Covers under a Personal Accident Insurance Policy?

You can opt for the following Add-On Covers as part of a Personal Accident Insurance Policy:

  1. Accident Hospitalisation Expenses
  2. Transportation of Mortal Remains
  3. Adventure Sports Cover
  4. Children's Education Cover
  5. EMI Protection Cover
  6. Loan Protector Cover
  7. Loss of Income due to Accidental Disability

What is Accidental Hospitalisation Expenses Add-On Cover in a Personal Accident Insurance Policy?

If the Insured Person is hospitalised for a minimum period of 24 hours on the advice of a Doctor on account of an Accidental Bodily Injury, the Cover will pay for the Hospitalisation Expenses incurred by the Insured for the treatment.

If the Accidental Hospitalisation Claim has been accepted, the Add-On Cover will also pay tor the Pre and Post-Hospitalisation Expenses.

What is Accidental Hospitalisation Expenses Add-On Cover in a Personal Accident Insurance Policy?
What is Transportation of Mortal Remains Add-On Cover in a Personal Accident Insurance Policy?

What is Transportation of Mortal Remains Add-On Cover in a Personal Accident Insurance Policy?

This Add-On Cover compensates 1% of Accidental Death Sum Insured to transport the body of the Insured Person from the place of death to the hospital or the cremation or burial grounds.

What is Adventure Sports Cover Add-On Cover in a Personal Accident Insurance Policy?

Basic Personal Accident Policies exclude Accidental Death or Injury caused due to participation of the Insured Person in Adventure Sports like Bungee Jumping, Water Sports etc

However, if you opt for the Adventure Sports Add-On Cover, the Policy would reimburse if the Insured Person dies or suffers from Permanent Disablement on account of an Accident caused due to him participating in Adventure Sports.

This Add-On Cover is really useful for people who are likely to travel abroad and participate in such activities.

What is Adventure Sports Cover Add-On Cover in a Personal Accident Insurance Policy?

What is Children's Education Benefit Add-On Cover in a Personal Accident Insurance Policy?

If the Insured Person who is the family's breadwinner suffers from Accidental Death or Permanent Disablement, some huge expenses of the family which are pending are likely to suffer a blow.

Children's Education Expense is one such expense. Education Expenses these days are substantial.

A PA Insurance Policy with an Add-On Cover for Children's Education Expenses will pay the specified Sum Insured for Children's Education if the Insured Person suffers from Accidental Death or Permanent Disablement.

What is Children's Education Benefit Add-On Cover in a Personal Accident Insurance Policy?
What is EMI Payment Add-On Cover in a Personal Accident Insurance Policy?

What is EMI Payment Add-On Cover in a Personal Accident Insurance Policy?

If an Insured Person suffers from an Accidental Bodily Injury which results in Permanent Partial Disability preventing the Insured Person from performing his employment duties for a period of 1 month, then the Policy would pay the amount commensurate with the Insured Person's contribution to the EMI in the Loan Account.

This Cover would cease to make the EMI Payments as soon as the Insured Person recovers to the extent that he can perform his employment duties or after a period of 3 months of the Accidental Bodily Injury whichever is earlier.

What is Loan Protector Add-On Cover in a Personal Accident Insurance Policy?

If the Insured Person sustains an Accidental Bodily Injury resulting in Death or Permanent Total Disablement, then the Loan Protector Cover will pay the Balance Outstanding Loan Amount of the Loan Account specified in the Policy Schedule as on the Date of the Accident as per the Terms and Conditions of the Policy.

What is Loan Protector Add-On Cover in a Personal Accident Insurance Policy?

What is Loss of Income due to Accidental Disability Add-On Cover in a Personal Accident Insurance Policy?

If the Insured opts for Loss of Income due to Accidental Disability Add-On Cover as part of the Personal Accident Insurance Policy, the Policy would reimburse the Insured Person a Weekly Benefit of 25% of Monthly income. This Add-On Cover helps the Insured Person replace the Income that he has lost as a result of the Disability caused due to an Accident. The Weekly Benefit is payable for a maximum of 100 weeks.

What is Loss of Income due to Accidental Disability Add-On Cover in a Personal Accident Insurance Policy?

What are the exclusions under a Personal Accident Insurance Policy?

The common exclusions under a Personal Accident Insurance Policy are as follows:

Exclusions under a Personal Accident Insurance Policy
Any Claim arising out of any Pre-Existing Conditions is not covered Accidental Death or Bodily Injury while under the Influence of Alcohol or Drugs is not covered.
Any Claim arising while the Insured has participated in a Deliberate or Intentional Criminal Activity or Riot is not covered Any Claim arising out of Death or Bodily Injury during War is also not covered
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Adventure Sports Cover

Adventure Sports Cover

	Accidental Hospitalisation Expenses Covered

Accidental Hospitalisation Expenses Covered

Children's Education Benefit

Children's Education Benefit

Loan Protector Cover

Loan Protector Cover

Loss of Income Cover

Loss of Income Cover

Secure your family with a Personal Accident Insurance Policy – Get a Rs5 Lakh Cover at just Rs300/month

Purchasing a Personal Accident Insurance Policy means having peace of mind since it secures your family's future in case something happens to you. It ensures that the family's needs are well taken care of in your absence.

Also, if you own a business, you can secure your employees and their families with a Group Personal Accident Insurance Policy. You can learn more about Group Personal Accident Insurance here.

If you wish to purchase a Personal Accident Insurance Policy for yourself or your family, Call Now at πŸ“ž 022-35134695 πŸ“ž 022-35134695 or Email us at support@qian.co.in

We promise to give you a FREE Quote in 15 mins!

Secure your family with a Personal Accident Insurance Policy – Get a Rs5 Lakh Cover at just Rs300/month

FAQS

Is Personal Accident Insurance mandatory?

No, Personal Accident Insurance is not mandatory.

What is the Entry Age for a Personal Accident Insurance?

The Entry Age for a Personal Accident Insurance Policy for the Proposer and Spouse/Dependent Parents is between 18 - 70 years while that for Dependent Children is 3 months to 25 years.

What is the Renewal Age for a Personal Accident Insurance?

Generally Insurance Companies allow Lifetime Renewal for Personal Accident Insurance unless there is a fraud, misrepresentation or non-payment of premium on part of the Insured.

Who can be insured under a Personal Accident Insurance Policy?

A Personal Accident Insurance Policy can be bought for Self, Spouse, Children and Dependent Parents.

Testimonials

Average Customer Rating:

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Hemik of Qian is knowledgable, prompt and very professional - highly recommended. I had to claim for a critical illness under my health insurance policy and Qian’s assistance with the claims process and advice on how to deal with the insurer was invaluable.

Niyati Shah