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Personal Accident Insurance

What is Personal Accident Insurance?

Personal Accident insurance or PA insurance is an annual policy that provides compensation in the event of injuries, disability, or death caused solely by violent, accidental, external, and visible events.

This policy is designed to offer some sort of compensation to the insured person who suffers bodily injury solely as a result of violent, accidental external, and visible events. Hence death or injury due to any illness or disease is not covered by the policy.

What is covered under personal accident insurance?

Coverages under Personal Accident Insurance encompass various scenarios to offer comprehensive protection:

  1. Accidents Resulting in Death: In the event of the insured’s death due to an accident, the insurer disburses the sum insured in the policy to the designated nominee.

  2. Permanent Total Incapacity or Permanent Partial Incapacity: Policyholders are covered in cases of permanent disability resulting from accidents, whether it be total or partial incapacitation.

  3. Temporary Total Incapacity: In situations where the insured experiences temporary total incapacity due to an accident, the policy provides financial support to mitigate the impact of lost income during recovery.

  4. Reimbursement of Medical Expenses: Personal Accident Insurance includes coverage for medical expenses incurred as a direct result of an accident, ensuring that policyholders receive necessary medical treatment without bearing the financial burden.

With Personal Accident Insurance, individuals can safeguard themselves and their loved ones against the unforeseen consequences of accidents, offering peace of mind and financial security in challenging times.

Get an insurance quote today

Simply fill out the contact form and one of our experienced agents will be in touch with you shortly to discuss your insurance needs and provide a personalized quote. 

Our goal is to make the insurance process as easy and stress-free as possible, so you can have peace of mind knowing that you’re fully protected. 

Don’t wait, request a quote today!