Personal Accidental Policy.

Importance of Personal Accident Insurance

While life and health insurance are widely recognized, Personal Accident Insurance addresses a critical vulnerability: loss of earning capability due to accidental injuries. Accidents can happen unexpectedly during daily commutes, workplace duties, or travel, leading to temporary or permanent impairment.

A personal accident policy provides immediate financial support and compensation, regardless of the severity of the mishap, helping families bridge the income gap during treatment and rehabilitation.

Scope of Accidental Insurance Coverage

Accidental Death Cover: In case of fatal injuries, the full sum insured is paid to the nominee to secure the family's financial stability.

Permanent Total Disability (PTD): If an accident results in permanent total impairment such as the loss of limbs or eyesight, up to 125% of the sum insured is disbursed.

Permanent Partial Disability (PPD): In the event of permanent partial injuries, a defined percentage of the sum insured is paid according to the policy schedule.

Temporary Total Disability (TTD): When an accident leaves the insured temporarily bedridden and unable to work, the policy provides a weekly income replacement allowance to help cover household expenses and EMIs.