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Personal Accident Insurance

Protect yourself and your family from the financial impact of accidental injuries, disabilities, or loss of life.

Understand the Basics

What Does Personal Accident Insurance Cover?

Personal Accident Insurance offers financial compensation in case of accidental death, permanent disability, or temporary injury. Whether it’s a road mishap, workplace injury, or an unforeseen fall—this cover ensures that medical expenses, income loss, and long-term care needs are supported. It’s an affordable safety net that delivers peace of mind during life’s unpredictable moments.

Quick, Flexible & Reliable

Benefits of Buying Personal Accident Insurance Online

Instant Policy Issuance

Get covered quickly through an entirely digital process with zero paperwork or delays.

Customizable Coverage

Choose the sum insured and benefit type that best suits your lifestyle and risk exposure.

Affordable Premiums

Enjoy extensive accident protection at a cost-effective premium for individuals or families.

Protection Beyond Health & Life Insurance

Why You Should Consider Personal Accident Cover

01

Covers Accidental Death

Provides a lump sum payout to your nominee in case of accidental death.

02

Disability Benefits

Offers financial compensation for total or partial permanent disabilities caused by an accident.

03

Weekly Income Benefit

Some plans offer income support if you are temporarily unable to work due to injury.

04

Hospital Expenses Reimbursement

Covers medical bills related to accidental injuries, including ambulance and OPD treatment.

05

No Medical Test Required

Most policies are issued without health checks or waiting periods.

06

Worldwide Coverage

Enjoy protection from accidents whether you're at home, at work, or travelling globally.

Tailored for Your Protection

Types of Personal Accident Insurance Plans

Individual Personal Accident Cover

Designed to protect individuals from accidental death and disability.

Family Personal Accident Cover

One policy that covers all insured family members against accidental injuries or loss.

Group Personal Accident Policy

Ideal for businesses or employers to insure their workforce under one plan.

Education Grant Benefit Plan

Offers additional compensation to support children's education in case of parental disability or death.

Temporary Total Disability Plan

Provides weekly income if you're temporarily unable to work due to an accident.

Accident Medical Expense Add-On

Covers treatment, surgery, and rehabilitation expenses due to accidental injuries.

Trusted Guidance for Critical Protection

Why Itus Is the Smart Choice for Accident Cover

Plans from Top Insurers

Access reliable accident policies from leading Indian insurance companies.

Expert Policy Guidance

Get advice on choosing the right coverage amount and benefits based on your needs.

Quick Online Issuance

Buy your personal accident policy in minutes—anytime, anywhere.

Transparent Coverage Options

Clearly understand exclusions, limits, and add-on benefits before you commit.

Dedicated Claims Assistance

We help you or your family through claim filing and settlement during tough times.

Coverage for High-Risk Professions

Special policies available for field workers, drivers, and other high-risk occupations.

A Simple 3-Step Process

Steps to Get Your Personal Accident Policy

1. Fill Your Basic Information

Enter your age, occupation, and income to get personalized plan recommendations.

2. Compare Coverage Options

Evaluate benefits, exclusions, premium cost, and additional riders.

Make Payment & Receive Policy

Pay securely online and receive your e-policy via email instantly.

Support When You Need It Most

How to File a Personal Accident Claim

01

Report the Incident Immediately

Notify the insurer about the accident via helpline, email, or app within the specified time.

02

Submit Required Documents

Share the claim form, medical reports, hospital bills, disability certificate, and FIR (if needed).

03

Claim Processing & Payout

The insurer will verify your documents and process the payout as per your policy coverage.

Know More Before You Choose

Frequently Asked Questions About Personal Accident Insurance

Anyone with an active lifestyle or job exposure to physical risk should consider this coverage. It’s especially valuable for working professionals, business owners, field agents, and individuals who want financial protection beyond life or health insurance.

Yes. Health insurance covers a range of illnesses and treatments, while personal accident insurance specifically covers injuries or death caused by accidents. It provides a lump sum or regular payouts for accidental death, disability, or income loss.

Yes, many personal accident plans cover minor injuries such as fractures, dislocations, and burns. Some policies may offer fixed benefits for specific injuries. Always review your plan’s inclusions and medical expense add-on options.

In most cases, no medical test is required to purchase personal accident insurance. Policies are issued based on basic personal and occupational information, making it quick and hassle-free to get covered.

Absolutely. Personal accident insurance complements your existing life or health cover by providing dedicated protection for accident-related incidents. It fills a crucial financial gap many standard policies do not address.

If an accident results in permanent partial disability—like loss of fingers, toes, or vision in one eye—you’ll receive a percentage of the sum insured, based on the policy’s benefit chart. This helps cover income loss or lifestyle adjustments.

Yes, but some insurers may apply loading on the premium or require specific declarations. Workers in sectors like logistics, construction, mining, and driving can still avail accident coverage tailored to their risk profile.

Currently, premiums paid for standalone personal accident insurance are not eligible for tax deductions under Section 80D. However, it remains a crucial financial product for income protection and peace of mind.

Yes. Many insurers offer family personal accident plans that cover all members under one policy. You can choose varying sum insured levels for each family member and ensure collective protection.

Typical documents include the claim form, accident report, medical bills, ID proof, FIR (in case of death), and discharge summary. Depending on the case, additional documents like a death certificate or disability report may be needed.

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