Personal accident insurance pays fixed amounts, set in its schedule, if an accident causes death or a listed disability. Some policies also pay a weekly amount while you cannot work, and some pay medical expenses after an accident.
It does not replace health insurance: it pays for listed accident outcomes, not for illness.
Products
No products are listed in this category yet. Products appear here only after Finobazaar has reviewed them against the insurer's documents; we do not show invented products or prices.
What policies usually cover
- Accidental death
- Permanent total or partial disability, at the percentages in the schedule
- Temporary total disability (a weekly benefit), if included
Your policy wording lists exactly what is covered, the limits and the exclusions.
What to check before you buy
- Sum insured and the benefit table for each kind of disability
- Exclusions, such as accidents under the influence of alcohol or in adventure sports
- Whether your occupation is in the risk class you declared
Key terms
- Permanent total disability
- Disability that the policy defines as total and permanent, such as loss of both eyes or both limbs.
- Temporary total disability
- A period in which you cannot work at all after an accident; some policies pay a weekly benefit for it.
Calculators
Guides and checklists
- Claim rejected? Complaints and the Insurance OmbudsmanHow to challenge a rejection or short payment: insurer, IRDAI's Bima Bharosa and the Ombudsman.
- Policy exclusions: what insurance does not coverWhere to find exclusions in a policy and how to read them.
- Policy details review checklistWhat to check in a new policy, ideally within the free-look period.
Official resources
- IRDAI – Insurance Regulatory and Development Authority of India (opens in a new tab)The insurance regulator: regulations, circulars and the lists of registered insurers and intermediaries.
- IRDAI policyholder website (opens in a new tab)IRDAI's site for policyholders: consumer education and how to complain.
- Bima Bharosa – IRDAI grievance portal (opens in a new tab)Register and track a complaint against an insurer after you have complained to the insurer.Toll-free 155255 or 1800 4254 732; email complaints@irdai.gov.in. IRDAI accepts complaints from the policyholder or claimant, not from agents or other people writing for them.
Addresses checked on 19 October 2026.