Worldwide coverage @ 25% Discount**

Your personal data is safe with us.

Personal Accident Insurance

  • tax saving benefit
    Tax Saving Benefit
    Under section 80D
  • no claim bonus
    Benefits of No Claim Bonus
    No claim bonus on every year
  • Instant policy issuance
    Instant Policy Issuance
    No medical test required
  • Cover for accidental death
    Cover for accidental death
    Worldwide cover
Talk to Our Advisor
06-Feb-2025
Complete By*
Web Online CA is the largest and most trusted digital services platform

What is Personal Accident Insurance?

A Personal Accident Insurance gives you the option to get an additional cover and reimbursement for accidental hospitalisation expenses. PA is a worldwide cover against accidental death or permanent total disablement due to an accident while travelling through rail, air, road, drowning, or due to a collision. You can also get personal accident cover as an add-on in your health insurance policy. In the case of accidental death of the policyholder during the policy period, the nominee gets 100% compensation from the insurer.

Need Assistance?

customer support
Customer Support

+91 7413 826826

get in touch
Get in touch

support@webonlineca.com

request callback
Request Callback

+91 7413 826826

Benefits of Personal Accident Insurance

Here ia a quick benefits to buying a personal accident insurance policy:

  1. Financial Security: It gives the financial security of the insured's family in case of accidental death.
  2. No Medical Tests: It does not mandatory any medical tests at the time of buying the policy.
  3. No Waiting Period: A personal accident insurance has no waiting period, it allows policyholders to claim from day 1 of the policy.
  4. Worldwide Coverage: It covers worldwide to policyholders against any accidents faced across the globe.
  5. Coverage for All: It provides coverage to both individuals and families.
  6. Cumulative Bonus: In case the insured does not file a claim in the previous policy year, get an offer as cumulative bonus
  7. Tax Benefits: The policy premiums are eligible for tax deductions under Section 80D of the Income Tax Act.

What is Covered in Personal Accident Insurance Policy?

A personal accident insurance policy covers with the following benefits:

Accidental hospitalization expenses

Accidental Hospitalization Expenses

Accidental death

Accidental Death

Permanent total disability

Permanent Total Disability

Permanent partial disability

Permanent Partial Disability

Broken bones benefit

Broken Bones Benefit

Burns benefit

Burns Benefit

Ambulance expenses

Ambulance Expenses

Life support benefit

Life Support Benefit

What is Not Covered in a Personal Accident Insurance Plan?

Personal accident insurance plan do not cover death or disabilities due to:

  1. Natural death
  2. Contingencies death
  3. Intentional self-injury or suicide
  4. Influence of intoxicating drugs or liquor
  5. Pre-existing disability/accidental injury
  6. Childbirth and pregnancy
  7. HIV AIDS
  8. Adventurous or sports activities
  9. Mental disorders
  10. Terrorism
  11. Breach of law with criminal intent
  12. Being involved in war activities

Note: Please check your policy wordings to get a detailed list of exclusions.

Document required to Buy Personal Accident Insurance Plan

Make your application process smooth by keeping these documents handy:

  1. KYC document: Any one of the following documents can be submitted as identity & Address Proof
    1. PAN Card
    2. Aadhaar card
    3. Passport
    4. Driving license
    5. Voter ID
    6. Any other document issued by the central government in consultation with the IRDAI

How to Buy a Personal Accident Insurance Policy Online

  1. Visit Web online CA Website and visit Personal Accident Insurance
  2. Enter your basic details such as name, age, gender and contact number
  3. Fill your personal habits, educational qualification, occupation type and annual income.
  4. Once done, you will receive a call from our team and guide you on the next steps
  5. Select the most suitable plan and proceed to pay to generate a policy

How to File a Personal Accidental Insurance Claim

The following Documents required for processing a claim:

  1. Filled claim form and signed by nominee
  2. Policy documents
  3. Attested / Original FIR
  4. Attested / Original (post-mortem) report
  5. Attested / Original death certificate
  6. Medical / Hospital report
  7. Discharge card
  8. No Objection Certificate
  9. Any other document as may be required by the insurer

Documents required for Permanent total disablement claim arising due to an accident

  1. Filled claim form and signed by claimant
  2. Policy documents
  3. Attested / Original FIR
  4. Doctor's certificate of disability
  5. Photograph of the injured reflecting disablement
  6. Original medical bills with prescriptions/treatment papers
  7. Any other document as may be required by the insurer

Documents required for accidental hospitalisation expenses reimbursement

  1. Policy documents
  2. Filled claim form and signed by claimant
  3. Attested / Original FIR
  4. Medical and investigation report and bills
  5. Discharge card
  6. Any other document as may be required by the insurer

FAQs About Personal Accident Insurance

What is the sum insured limit of personal accident insurance?

The sum insured limit varies depending on the type of coverage, the insurance provider, and the terms of the policy. It is best to contact the insurance company to know the terms and conditions of your desired policy and sum insured limit.

Can I buy more than one personal accident insurance?

Yes, you can buy multiple personal accident insurance policies in India.

What is a waiting period for personal accident insurance?

A personal accident plan comes with zero waiting period.

Can I add my family members in my policy?

Yes, you can add any family member(s) i.e. spouse, children and parents in a single policy.

What is the age limit for taking personal accident insurance policy?

The minimum age starts from 18 years and maximum is 80 years for taking personal accident insurance policy. There is Lifelong Renewability under the policy.