Personal Accident Insurance online Policy Guide | Insuremile

Understand essential coverage rules, claim benefits, and key policy options for Personal Accident Insurance online. Compare options and quotes on Insuremile.

Overview of Personal Accident Insurance online Policy Guide

Personal Accident Insurance online - Compare Buy Renew Policy - Insuremile

Personal Accident Insurance and Owner-Driver Mandates

Registered vehicle owners holding a valid driving licence are required to maintain Compulsory Personal Accident (CPA) cover of Rs 15 Lakh under the Indian Motor Tariff. Vehicle owners who already hold a standalone personal accident policy with coverage of Rs 15 Lakh or more are legally exempt from purchasing additional CPA policies for each vehicle owned.

Disability Benefits and Coverage Schedules

Comprehensive personal accident plans provide 100% of the sum insured for accidental death or Permanent Total Disability (PTD). Permanent Partial Disability (PPD) pays pre-defined percentages according to injury severity, while Temporary Total Disability (TTD) provides weekly compensation to replace lost income during recovery.

Reviewed by Insuremile's licensed advisory specialists per IRDAI editorial standards. Always check the official policy wording for specific inclusions, exclusions, and sub-limits.