IRDAI/I NTAII/BA/51/2018
CIN: U72900KA2018PTC110119
CIN: U72900KA2018PTC110119
Accidents can happen at any time, disrupting our lives and causing financial strain. Insuremile’s Personal Accident Plan is designed to provide comprehensive protection and financial security for you and your loved ones in the event of unforeseen accidents.
Accidental Death Benefit: The plan offers a lump sum payment to the nominee or beneficiary in case of the policyholder’s accidental death, providing financial support during a difficult time.
Permanent Disability Coverage: In the event of permanent disability due to an accident, such as loss of limbs or paralysis, the plan provides a predetermined benefit amount to assist with medical expenses, rehabilitation, and lifestyle adjustments.
Temporary Total Disability Benefit: If the policyholder experiences temporary total disability that prevents them from working, the plan offers a weekly or monthly benefit to compensate for lost income during the recovery period.
Medical Expenses Reimbursement: The plan covers medical expenses incurred due to accidental injuries, including hospitalization, surgery, medication, and other necessary treatments, easing the financial burden on the policyholder.
Education Benefit: In case of the policyholder’s accidental death or permanent disability, the plan may provide financial support for the education of dependent children, ensuring their future education expenses are taken care of.
Additional Benefits: Depending on the chosen plan, Insuremile’s Personal Accident Plan may include benefits such as ambulance charges coverage, accidental death repatriation expenses, and more.
Insuremile offers flexible Personal Accident Plan options, allowing policyholders to tailor their coverage based on individual needs, lifestyle, and budgetary considerations.
Whether at home, work, or traveling internationally, Insuremile’s Personal Accident Plan provides round-the-clock protection against accidental injuries, ensuring peace of mind wherever you go.
Our dedicated claims team ensures a hassle-free and efficient claims process, assisting policyholders in navigating documentation requirements, claim submission, and settlement procedures.
With Insuremile, you gain access to a team of insurance experts committed to providing personalized assistance, guidance, and support throughout your policy tenure.
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Personal Accident Insurance policy provides complete financial protection to the insured members against uncertainties such as accidental death, accidental bodily injuries, and partial/total disabilities, permanent as well as temporary disabilities resulting from an accident. In the case of accidental death of the policyholder, the nominee gets 100% compensation from the insurer. There are various other compensations that are offered for accidental disability such as loss of eyes, limbs, and speech.
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.
A personal accident policy coverage you against death, permanent total disability, permanent partial disability and temporary total disability in case of an accident. Usually, on death and permanent total disability, the Insurer pays the onetime payment of sum assured and policy will get terminated.
• 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.
For a personal accident claim, you typically need the following documents:
Insurance Policy Copy: This includes a copy of your personal accident insurance policy.
FIR (First Information Report) of the Accident: This document is necessary to report the incident to the authorities.
Post-mortem Report (for Death Claims): If the accident resulted in a death, a post-mortem report is required.
Doctor’s Certificate (for Disability Claims): If the accident caused a disability, a certificate from a doctor detailing the extent of the disability is needed.
It is recommended to submit your personal accident insurance claim as soon as possible after the insured event(s) occur. Generally, insurance companies require claims to be filed within 30 days from the date of the insured event(s).
Submitting the claim after the specified period may result in delays or possible rejection of the claim. It is important to adhere to the claim submission timeline specified in the policy for efficient claims processing.
An insured event in personal accident insurance refers to an event covered under the policy that results in accidental bodily injury, disability, or death to the insured individual.
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