In a nutshell,Car insurance online India is peace of mind for you. It’s your financial protection in case something unexpected to your car for example a bear leaping from the woods and leaving a giant pawprint dent on your car. Car insurance will cover the big cost a associated with damage to your car and yourself.CONTINUE
NEW In a nutshell,Car insurance online India is peace of mind for you. It’s your financial protection in case something unexpected to your car for example a bear leaping from the woods and leaving a giant pawprint dent on your car. Car insurance will cover the big cost a associated with damage to your car and yourself.
In a nutshell,Car insurance online India is peace of mind for you. It’s your financial protection in case something unexpected to your car for example a bear leaping from the woods and leaving a giant pawprint dent on your car. Car insurance will cover the big cost a associated with damage to your car and yourself.Learn MoreLearn More
Enjoy free services
Give us a Missed Call
We will call back as soon as possible between 9am to 9pm
Get a free quotes & we do not collect your personal details
e-mailid or Mobile No or Address
Total Quotes Compared :
Quotes. Premium. Proposal
We simplify the insurance products offered by
24 Insurers & 188 plans in couple of seconds
Total Policies Sold :
Simple. Fast. Reliable
We offers a free policy claims service to
any policy holder or any insurer @ InsureMile App .
Total Customers Serviced:
Going beyond our core focus of connecting customers to the right insurance protection plans
We also committed to being a socially responsible and customer-friendly.
Health Insurance – Compare Personal Accident Quotes Policy – InsureMile
Things you must know about insurance
What is a Personal Accident Insurance policy ?
Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by accidents, affected by natural disasters and any other incident which may lead to your disability or death.
Types of Plans
Permanent total disablement
Permanent partial disablement
Temporary total disablement.
Why buy insurance on Insuremile online platform?
● Because enquiry about insurance quotes, buying of insurance and other transactions are simple, transparent and competitive on InsureMile platform
● Because InsureMile does not ask you for your phone number or email details, thus you are not harassed by unwanted calls or mail.
● Because InsureMile will guide you, whenever you need any assistance
The most important differentiator is InsureMile’s ‘Buy A Policy, Feed A Child’ mission
For every policy you buy, InsureMile on your behalf contributes 25 meals to a child.
You are thus becoming part of a Social Movement to eradicate hunger among children in India.
There is no additional amount to be paid for the social cause. It is part of the premium.
You can claim tax benefits for the donation you have made.
Awareness about having insurance for personal accidents
In India, the awareness about this general insurance personal accident plan is low. This is because of the primary usage of life insurance and health insurance. This is categorized under general insurance by IRDA unlike the primary life and health insurance. You must know these things about personal accident insurance.
• Only a personal accident insurance gives coverage against the accident-related expenses. Life and health insurance do no support this feature.
• Accidents are highly unexpected. Such fatal risks can be compensated with the general insurance personal accident quote.
• Most insurance companies have the compare general insurance personal accident plan for you to utilize.
• This is as essential as the motor insurance you have for your vehicle.
• However, injuries caused by wars, terror attacks and pre-existing disorders will not be covered by the policy. Injuries caused by the participation in adventures also will not be covered too.
Personal Accident cover is equally important as compared to life and health cover. The purpose of life insurance is to cover the risk of early death and the purpose of Health Insurance is to act as a cushion against hospitalisation expenses.In terms of PA Insurance the coverage is for any type of accident and it need not necessarily be on the road. The accident could be at home, road or workplace or any other place.
How to File Accident Insurance a Claim?
To initiate claim process, one needs to inform the provider about the event within the specified time frame. You might be provided with a claim reference number. The following information is required to be submitted to the provider when intimating your claim-
Your contact numbers
Date and time of accident
Name and contact details of insured person who is injured
Location of incident
Brief description on how the accident/ loss took place with its location details Extent of loss
It is essential that these details are known to the family members or dependents (including spouse) also as an unexpected event such as demise may put them in situations where they are unaware of what to do next.
In case of Accidental death/ disablement claim, following documents are required to submit-
As a necessary precaution, policyholders can ensure that these details are kept for future reference of the family members so that they are not left helpless or any advantage unclaimed in the event of an unexpected event leads to a coma or even demise.
Basically, a personal accident cover offers coverage to the insured and his family in case of an accident whereby s/he or her/his family members will be able to get the compensation amount in case of injury, death, total or partial disability that takes place because of any accident caused by violent, visible and external means.
What is a personal accident insurance?
Accidents are unexpected and sometimes maybe fatal. In such cases, you will have to spend a lot to recover and come back to normal. That is why you will need a general insurance personal accident quote. A personal accident insurance is very different from life and health insurance. The general insurance personal accident plan covers you during a severe accident or physical illness. Life and health insurance cover only after your death or form medical expenses. Unlike that, the best general insurance personal accident plan will help you with expenses after an accident. You tend to go out every day and probabilities of meeting with an accident could be more. So an online general insurance personal accident plan is essential for unexpected situations.
What are the benefits of personal accident insurance?
• Cheap premium rates: For a general insurance personal accident plan, the premium rates are low. So you can easily afford the insurance plan.
• No age limit: The best general insurance personal accident plan does not have any age limit. The rates of the premium are the same for all ages.
• Premium depends on job nature: In the insurance companies certified by IRDA, the premium for accident insurance is decided by your job, income and other conditions.
• Covers your family: Under a single personal accident insurance, you can include your family and children too. So this option can benefit your entire family and cover them during accidents.
• Accidental Death benefit: The general insurance personal accident quote also gives compensation in case of death caused by accidents. This makes your family financially secure.
• Accidental disability benefit: You may suffer a permanent or partial loss of body parts after an accident. The policy also covers such losses for you.
• General benefits: General insurance personal accident plan also covers educational expenses and home allowances. It includes funeral expenses, hospital charges and ambulance charges.
• Transportation benefit: Some insurance companies take care of the transportation benefits too. This helps you and your family members to reach the hospital under the insurance coverage itself.