AccidentCare : Buy Best Personal Accident Insurance Policy In India | Max Bupa

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

Know what’s covered under the AccidentCare Insurance Plan

Simply search for your queries regarding the AccidentCare insurance plan or check out all the features listed below.

Comprehensive Features

Arrow Arrow

Free Look Period

+ -

Get the AccidentCare policy and have the option to cancel if you are not satisfied

Direct Claim Settlement

+ -

There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly

Tenure Discount

+ -

Take a policy for two or three years and get a discount on your premium

Funeral Expenses

+ -

Funeral expenses of the insured are covered up to ₹ 5,000 (SI under 25 lakhs) and ₹ 50,000 (SI over 25 lakhs)

Assured Renewal

+ -

Guaranteed policy renewals for life

Customisation Available

+ -

Get individual coverage or family coverage

Worldwide Coverage

+ -

Get coverage anywhere in the world in our network hospitals

Individual and Family Coverage

+ -

Pick either an individual plan or a family plan where your spouse and up to 2 children make the claim

Standout Features

Arrow Arrow

Accidental Death

+ -

In the case of the demise of an insured leading from an accident, the insurance pays 100% of the sum insured

Permanent Total Disability

+ -

In the case of permanent total disability due to an accident, the insurance pays 125% of the sum insured

Child Education Benefit

+ -

In case of your demise or permanent total disability, get 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

+ -

In the case of a permanent partial disability from an accident, get up to 100% of the sum insured

Add-on Features​

Arrow Arrow

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.

-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

-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


Arrow Arrow

Permanent Exclusions

+ -
  • Suicide or self-inflicted injury, whether the Insured Person is medically sane or insane.
  • War (whether declared or not), invasion, act of foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion.
  • Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.
  • Any change of profession after inception of the Policy which results in the enhancement of our risk, if not accepted and endorsed by Us on the Schedule of Insurance Certificate.
  • Committing an assault, a criminal offence or any breach of law with criminal intent.
  • Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medical Practitioner other than the Policyholder or an Insured Person.
  • Death or disablement caused by ionizing radiation or contamination by radioactivity from any nuclear fuel.
  • Participation in aviation/marine including crew other than as a fare-paying passenger in an aircraft/water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports.
  • Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc
  • Any disability arising out of pre-existing diseases if not accepted and endorsed by Us.
  • Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However this exclusion is not applicable to claims made under the PPD benefit
  • Any costs or expenses specified in the List of Expenses generally excluded at Annexure II of Policy document. This is applicable only for Accident Hospitalization benefit

Why choose AccidentCare?

Calculate Medical Expenses

Arrow Arrow

Painless renewals

Arrow Arrow

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?

Arrow Arrow





Health insurance plans have the potential to cover a lot of eventualities, but a personal accident cover will definitely double your assurance by taking care of your loved ones in case of a death or disability due to an accident.


This benefit can also help you out in cases of permanent disability caused due to an accident. Max Bupa's personal accident insurance cover provides coverage in case of permanent total and permanent partial disability, and even has an option for paying for child’s education after the primary insured person’s demise. It is also a financial product which offers value for money as premiums high value sum insured are comparatively lower.

Why do you need a personal accident insurance cover?

Arrow Arrow





As per WHO’s Global Status Report on road safety in 2018, there were an estimated 299,901 deaths related to road accidents in India in 2016. This is higher than the accidental deaths in the entire continent of Africa, which had an estimated number of 246,719 deaths total in the same year. We can see how this is a big problem. Whether you commute on a motorcycle or a car, we all should consider adding a personal accident cover to our existing health insurance plan. The personal accident cover is available with certain specially curated plans. Hence, you must consult an expert before selecting a policy. You can reach out to us at 1860 500 8888 for more details.


What you really purchase with a personal accident insurance cover is peace of mind for yourself and your loved ones by securing their future in case of any mishaps.

Frequently Asked Questions






There are various ways in which you can purchase this policy:

Online: On purchase of this plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup.

Telephone: If you wish to know more about Max Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1860-500-1000 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) to buy the policy over the phone.

Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website

Get a quote

Tell us a little about yourself and we’ll get you the right quote.

Find the right plan now>

Compare plans

Not sure if it’s the right plan for your family? Compare it with other similar plans.

Compare now>