Call NowPersonal Accident Insurance Policy
Personal accident insurance from Niva Bupa offers financial support against the expenses incurred due to an accident. It even takes care of you in times of uncertainty with promising features like direct claim settlement, worldwide coverage, and comprehensive protection..
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Accidental Death (O)
Secure your family's finances as they get 100% of the sum insured
Permanent Total Disability
Get 125% of the sum insured in the case of permanent disability
Permanent Partial Disability
Get 100% of the sum insured if you face a permanent partial disability
Child Education Benefit
Your child gets up to ₹ 5 lakh in case of your death or permanent disability
Temporary Total Disability (O)
Get 1% of sum insured per week for up to 100 weeks
Discover the Extensive Coverage of the AccidentCare Insurance Plan
Have questions about the AccidentCare insurance plan?
Simply search for your queries about personal accident insurance plans or check out the detailed features provided below.
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Available as an optional add-on
Comprehensive Features
Free Look Period
+ -Review terms & conditions after purchase
Direct Claim Settlement
+ -Direct settlement without third party involvement
Tenure Discount
+ -Discount on a longer policy period
Funeral Expenses
+ -₹5,000 (SI under 25 lakhs) and ₹50,000 (SI over 25 lakhs)
Assured Renewal
+ -Personal accident policy renewal for life without any change in terms
Customisation
+ -Policies tailored to specific needs
Worldwide Coverage
+ -10,000+ network hospitals
Individual & Family Coverage
+ -Flexible choices between the individual & family plans
Standout Features
Accidental Death
+ -In the unfortunate event of your death due to an accident, the beneficiary of the personal accident insurance plan receives a lump sum amount equal to 100% of the insured sum.
Permanent Total Disability
+ -If you suffer a permanent total disability due to an accident, which renders you unable to work or carry out daily activities, personal accident insurance plans pay 125% of the sum insured.
Child Education Benefit
+ -Niva Bupa's AccidentCare provides 5% of the SI or ₹50,000 (for SI under 25 lakhs) or ₹500,000 (for SI over 25 lakhs) for each child's education.
Permanent Partial Disability
+ -If you lose a limb or a certain body function, which results in a permanent partial handicap, you can get up to 100% of the sum insured based on the degree of disability under personal accident insurance plans.
Add-on Features
| Optional Benefits | |
| Temporary Total Disability (TTD) | TTD Sum Insured – 10 lacs & 20 lacs only TTD benefit – 1% of TTD Sum Insured payable per week Such weekly payout shall be made for a maximum of 100 weeks |
| TTD Sum Insured Multiple | TTD Sum Insured not to exceed lower of (2 times of Annual Income or AccidentCare Sum Insured) |
| Accident Hospitalisation Limit (confined to India only) | Upto 2% of AccidentCare Sum Insured |
| Surgical Operations | Covered upto the Accident hospitalization limit. Claim settlement on reimbursement basis only and coverage limited to India only. |
| Emergency Ambulance (as part of overall Sum Insured) | Limited to Rs 2000/claim |
| Physiotherapy (as part of overall Sum Insured) | Limited to 10% of Accidental hospitalization limit |
| Nursing Care, Drugs, and Surgical Dressing | |
| Medical Practitioner’s / Surgeon’s Fee | |
| Room Rent | |
| Operation Theatre Charges | |
| Anesthetics Fee (including administration) X-ray exams, or treatment including CT Scan | |
| Diagnostic Procedures and Therapies | |
| Prosthetic Implants | |
Exclusions
What is Personal Accident Insurance Cover?
A personal accident insurance policy provides protection against death, permanent disability, and temporary disability in case of an accident. For example, the personal accident coverage from Niva Bupa offers protection in the event of both total and partial permanent incapacity. It even includes a provision for paying for a child's education after the primary insured person passes away. It is a financial product that provides value for money.
Why do you Need a Personal Accident Insurance Cover?
According to the 'Road Accidents in India-2021' report by the Ministry of Road Transport & Highways, 4,12,432 road accidents have been reported in the country during 2021, claiming 1,53,972 lives. Therefore, incorporating personal accident coverage into your current health insurance plans is a wise decision, whether you commute by motorbike or automobile. Before choosing a personal accident policy, you should speak with an expert. For additional information, call us at 1860 500 8888.
What are the Features of Personal Accident Policy?
Personal accident insurance policy is a fixed benefit plan that provides financial protection to policyholders in case of:
- Accidental Death
- Permanent Total Disablement
- Permanent Partial Disablement
- Temporary Total Disablement
A lump sum payment is made in the event of death or permanent disability under the personal accident insurance plans. While in the case of temporary disability, a weekly or monthly benefit is paid for a specified period. Medical expenses incurred due to accidents related to hospitalisation, surgery, medication, ambulance charges, and other necessary treatments are also covered. Some policies also provide an education fund for the insured person's dependent children.
How to Opt for the Best Personal Accident Plan?
Compare coverage & premium of personal accident insurance plans online to get coverage against accidental death, injury & permanent disability. Additionally, you must take note of the following things before choosing personal accident insurance policy:
- Sum Insured
- Network Hospitals
- Exclusions and Limitations
- Policy Duration
- Additional Benefits and Riders
- Claim Process
- Customer Service
- Insurer's Reputation and Financial Stability
If you're unsure about the best personal accident insurance plan for your needs, consider seeking advice from an insurance agent or financial advisor. They can provide personalised guidance based on your circumstances.
What are the Benefits of Personal Accident Health Insurance Policy?
Now you can protect your entire family with personal accident insurance plans against accidental injuries. The personal accident policy provides several benefits to you and your family, such as:
Financial Protection:
It offers compensation in the form of a lump sum or periodic payments, helping to cover medical expenses, loss of income, and other financial burdens that may arise due to an accident.
Worldwide Coverage:
This personal accident policy typically provides coverage worldwide. Whether the accident occurs at home, during travel, or at work, the policyholder is protected.
No Prior Medical Examination:
This personal accident insurance policy generally does not require a prior medical examination for coverage, making it accessible to a wide range of individuals.
Supplemental Coverage:
It can complement existing health and life insurance policies. Additionally, personal accident policy provides an additional layer of coverage specifically tailored to accidents and their associated consequences.
Customisable:
This allows individuals to choose the coverage amount, additional benefits, and policy duration that best suits their circumstances.
24/7 Coverage:
This personal accident insurance policy provides coverage round the clock, whether the insured person is at work, at home, or is engaged in leisure activities, as long as the accident falls within the policy's terms and conditions.
Who Should Buy Health Insurance for Personal Accidents?
The personal accident insurance policy is a benefit policy that pays for death, disablement, and weekly benefits. It is a worldwide cover available 24X7, which is most suitable for the following individuals:
- Individuals without employer coverage, such as those who are self-employed
- People working in high-risk occupations like construction, mining, aviation, or law enforcement
- Frequent travellers
- Sole breadwinners and parents with dependent children
- Individuals without adequate emergency savings or with insufficient health coverage
What are the Tax Benefits of Personal Accident Policy?
Personal accident insurance policy from Niva Bupa offers financial assistance for expenses incurred due to an accident and even provides tax benefits under Section 80D of the Income Tax Act. The tax implications are explained below:
- Section 80D provides deductions for premiums paid towards health insurance, including personal accident insurance policy, for self, spouse, children, and parents.
- Tax benefits are subject to a limit of ₹25,000 for a policy taken for self, spouse, or children. An additional ₹25,000 is provided for a policy taken for parents (₹50,000 for senior citizen parents).
- The deduction is available only for premium payments made in any mode other than cash.
How to Make a Claim for a Personal Accident Plan?
It is crucial to read the personal accident insurance policy documents to get acquainted with the claim settlement procedure. This will avoid any surprises at the time of claim filing and will allow you to meet all the specified timelines. You must be vigilant and transparent while going through the following steps to increase your chances of claim acceptance under the personal accident insurance:
Step 1: Notify the insurer about the accident as soon as possible
Step 2: Obtain the claim form and fill it out accurately
Step 3: Submit the form and the required documents
Step 4: Respond promptly to the insurer in case of any queries or requests for information
Step 5: Be available for the medical examination to assess the extent of the injuries
Step 6: Await claim decision based on the personal accident policy terms and the provided documents
What are the Documents Required at the Time of a Personal Accident Insurance Claim?
Here are some common documents that are typically requested during the claim process of a personal accident insurance:
- Claim form
- Accident report/FIR
- Medical reports, including diagnostic tests, hospital records, and doctor's notes
- Hospital bills and invoices
- Discharge summary
- Medical certificates
- Proof of identity
- Policy documents, including the policy schedule, terms, and conditions
- Any other relevant documents like salary slips or income tax returns to claim loss of income
What are the two Main Types of Personal Accident Insurance Policies?
What are the Benefits or Perks of Personal Accident Insurance?
Is it Worth Getting Personal Accident Cover?
Which Accident Insurance is Best?
Personal accident insurance plans offers coverage to policyholders if they suffer accidental injuries or disability and protects beneficiaries in case of death. It is of two types:
- Individual Personal Accident Policy: As the name implies, this personal accident insurance policy provides coverage to the individual policy buyer against accidents. The policy pays out upfront or in the form of periodic payments based on the severity of the injury. It is customisable based on the sum insured amount, additional benefits, or policy duration and offers higher coverage.
- Group Personal Accident Policy: Such personal accident insurance policy offers protection to a group of individuals, such as a company's employees of a company, members of an organisation, or members of a family. The coverage amount is usually predetermined for each member of the group, and the personal accident insurance policy terms are set by the insurer and the group sponsor.
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Download Resources
AccidentCare
Brochure
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AccidentCare Policy
Wordings
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AccidentCare
Claim Form
Download the form to make a hassle-free claim
AccidentCare
Application Form
Download the application form here
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