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personal accident

Why Compare Personal Accident Insurance?

We provide a simple way to compare and buy personal accident insurance policies. You can compare plans from a large number of insurance companies and proceed to buy the plan of your choice. The premiums can be paid online and the policy will be issued instantly.
At MyInsuranceClub, we will help you select the best personal accident insurance plan with optimum premiums. You can choose the cheapest plan or the brand of your preference or any feature rich personal accident plan which you like the most. .

  • Instant premiums from a large number of insurance companies
  • Compare premiums and features of various plans
  • Our comparison is completely un-biased
  • MyInsuranceClub does this for you at no cost - It's Free!

  • quote-icon  Simple. Easy to understand. Non-intrusive method. These are some of the reasons why i would recommend usage of myinsuranceclub.com   

    - Sumit Lalwani, Mumbai

  • quote-icon  I was able to compare and buy a plan all by myself in 10 mins. I liked the comparison and the information display. Thanks.  

    - Rakesh Shankar, Mangalore

  • quote-icon  Personal accident insurnace plans are cheap and provide good cover for situations not covered by other plans. This is good.  

    - Latika Sundaresan, Pondicher

  • quote-icon  Good work by you guys. Nice interface and easy process. No hassles and great comparison. Keep it up.  

    - Sourav Sengupta, Kolkatta

What is personal accident insurance?

Personal accident insurance plans provide cover against some major injuries caused due to an accident. Major injuries like loss of limbs, burns etc are covered by this plan.Usually these covers are part of riders along with some other life insurance plan. However buying a stand-alone personal accident plan is often the best solution as the cover is a lot more comprehensive. While health insurance plans will cover the cost of treatment, these plans will provide lumpsum amounts in case of a major injury.

What are the coverages in a personal accident insurance plan?

List below are some of the major coverages provided in the plans. Please check the policy details for exact nature of coverage

Accidental Death

It indicates death of the policyholder in an accident. The Sum Assured under this plan is payable if death occurs from an accident. However, the death needs to occur within specified timelines of the accident for the claim to be payable, usually taken as 15 days. In that case, if death occurs after 15 days of the accident, then the claim may not be payable as the reason for death could be any other than accident also

Accidental Disability

It indicates that the policyholder is disabled from work, either partially or wholly. Again, the claim would be payable if the policyholder has been disabled from work for a period more than 180 days. In that case, if the policyholder is physically disabled, either partially or wholly,but he is able to work, then the claim may not be payable

Accidental Dismemberment

It indicates that a part of the policyholder's body has been severed or dismembered. It means, if the policyholder loses his hand or leg or eyes, then he would be eligible to get a claim under Accidental Dismemberment. There are certain norms for the payment of the Sum Assured. For example, if one hand or one leg is severed from the body, then 50% of the Sum Assured is payable to the policyholder. However, if both hands and one leg is severed, 150% is not payable but the entire Sum Assured would be payable as a claim.

Hospitalisation Expenses

You will be provided coverage against the expenses incurred during hospitalisation due to an accident. You may also receive a daily cash allowance for the duration of hospitalisation

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