Personal Accident Insurance refers to an insurance which offers compensation in case of death, bodily injuries, total/ partial disability or mutilation resulting from an accident caused by violent, visible and external means. The types of events that are covered under accidental insurance are rail, road and air accident, injury due to collision or fall, burn injury and drowning etc. Accident insurance can protect your family and yourself from the financial concerns such as loss of income and medical expenses that unforeseen accidents lead to.

Accidental Death: It indicates death of the policyholder in an accident. The Sum Assured under this plan is payable if death occurs from an accident.

Accidental Disability:
It indicates that the policyholder is disabled from work, either partially or wholly.

Accidental Dismemberment:
It indicates that a part of the policyholder's body has been severed or dismembered. It means, if the policyholder loses his hand or leg or eyes in an accident, then he would be eligible to get a claim under Accidental Dismemberment.

Medical Expenses:
Medical expenses incurred during the treatment of accidental injuries

Apart from the above covers, some of the Insurance companies also cover the below optional risks

• Child education support
• Life support benefit
• Burns, broken bones and Ambulance
• Daily allowance