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your needs

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.

Comprehensive Features

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Free Look Period

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Review terms & conditions after purchase

Direct Claim Settlement

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Direct settlement without third party involvement

Tenure Discount

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Discount on a longer policy period

Funeral Expenses

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₹5,000 (SI under 25 lakhs) and ₹50,000 (SI over 25 lakhs)

Assured Renewal

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Personal accident policy renewal for life without any change in terms

Customisation

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Policies tailored to specific needs

Worldwide Coverage

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10,000+ network hospitals

Individual & Family Coverage

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Flexible choices between the individual & family plans

Standout Features

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Accidental Death

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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

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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

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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

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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​

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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

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Why choose AccidentCare?

Calculate Medical Expenses

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Painless renewals

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Assured plan renewal for life

Get up to 20% off on renewals for staying healthy

Get 5% p.a. more coverage for claim free policy period (max up to 25%) 

Hassle-free 5 minutes renewal process

What is Personal Accident Insurance Cover?

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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?

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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?

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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?

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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?

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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?

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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?

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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?

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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?

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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 
Frequently Asked Questions

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?

What are the two Main Types of Personal Accident Insurance Policies? - +

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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