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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,690
No. of Employees
61,600+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.53 Lakh Cr
Consolidated Lending Book
INR 1.65 Lakh CrCorporate Governance Policies
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Personal Accident Insurance from ABCD?
Protecting yourself against unexpected events is essential, especially when financial stability is a priority. Personal accident insurance acts as a safety net, providing financial support in case of accidental injuries. This comprehensive coverage protects you and your loved ones from the potential financial burdens associated with unforeseen accidents.
Why Do You Need Personal Accident Insurance?
Financial Protection
Personal accident insurance provides a financial safety net to cover many costs, protecting you and your family.
Peace of Mind
Knowing that you and your loved ones are financially secure in case of an accident allows you to focus on recovery without worrying about the financial implications.
Comprehensive Coverage
Personal accident insurance often covers a wide range of accidents.
Secure Your Family's Future
By safeguarding your income and providing financial support, you can protect your family's future.
Types of Personal Accident Insurance Policy
Individual Personal Accident Insurance
This type of policy covers an individual against accidental death, loss of limbs or sight, or other permanent disabilities. It's ideal for individuals who want comprehensive coverage for themselves.
Group Personal Accident Insurance
This policy is usually offered by employers to their employees at a discounted rate. It's a cost-effective way for companies to provide their employees with accident insurance coverage.
Accidental Death Cover
This type of coverage provides a lump sum payout to the beneficiary in case of the policyholder's accidental death.
Permanent Total Disability Cover
This coverage pays a lump sum benefit to the policyholder if they suffer a permanent total disability due to an accident.
Permanent Partial Disability Cover
This coverage pays a lump sum benefit to the policyholder if they suffer a permanent partial disability due to an accident.
Temporary Total Disability Cover
This coverage provides a weekly or monthly income to the policyholder if they are temporarily unable to work due to an accident.
Benefits of a Personal Accident Insurance
Our Personal Accident Insurance Plans At A Glance.
Prioritise your well-being with our pocket insurance and avail
Most Popular
Personal Accident Insurance
KEY FEATURES 
- ₹5 Lakh coverage for accidental death (PTD) or permanent partial disability (PPD).
- Upto ₹75,000 coverage in case of loss of job due to accident (5% of PTD or PPD sum insured).
- All of this will be provided for the sum of ₹176/year.
Cover
Rs. 5 Lakh
Premium Starting From
₹176/ year
Get Insured in 5 Easy Steps
Select a personal accident insurance plan that aligns with your specific needs.
Share essential personal details like your name, age, contact information, and medical history.
Choose your desired coverage amount.
Understand what is covered and what is not.
Once your payment is confirmed, your insurance policy will be activated.
Understand what is covered and what is not.
Once your payment is confirmed, your insurance policy will be activated.
Things To Keep in Mind
Sum Insured
Choose a sum insured that adequately covers your financial needs in case of an accident.
Coverage Period
Consider the duration of the policy and whether you need annual or multi-year coverage.
Accidental Death and Disability Benefits
Ensure the policy covers both accidental death and various levels of disability.
Medical Expenses
Check if the policy covers medical expenses incurred due to accidents.
Income Loss Cover
If you're self-employed or have a fluctuating income, consider a policy that offers income loss benefits.
What's Covered v/s What's not Covered in Personal Accident Policy
What's Covered ?
- Here is what is covered in the personal accident policy:
- ₹5 Lakh coverage for accidental death (PTD) or permanent partial disability (PPD).
- Upto ₹75,000 coverage in case of loss of job due to accident (5% of PTD or PPD sum insured).
What's not Covered ?
- Here is what is not covered in the personal accident policy:
- Pre-existing diseases
- Heart diseases
- HIV/AIDS
- High blood pressure
- Kidney disease
- Liver disease
- Lungs disease
- Cancer
- Blood disorders
Professions That Are Not Covered
- The policy does not apply to the following professions:
- Firemen
- Law enforcement agencies (including police, Para-military, military forces)
- Demolition workers
- Junk or salvage workers
- Loggers, lumber mill workers (tree fellers, people climbing trees as a part of their occupation)
Customer Satisfaction Stories
Hear from our happy customers what they have to say about their experience with us.
Aditya Birla Health Insurance
Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice
Aditya Birla Health Insurance Customer
Delhi, India
Aditya Birla Health Insurance Customer
Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.
Aditya Birla Health Insurance Customer
Noida, India
Aditya Birla Health Insurance
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Understanding Personal Accident Insurance
What is Personal Accident Insurance?
Personal accident insurance is a type of insurance policy that provides financial protection against accidental injuries, disabilities, or death.
How does Personal Accident Insurance work?
You pay a premium to the insurance company. In case of an accident, the insurer pays you a lump sum or regular income, depending on the policy terms.
What are the common types of coverage offered by Personal Accident Insurance?
Common coverage includes accidental death, permanent total disability, permanent partial disability, temporary total disability, and medical expenses.
What are the benefits of having Personal Accident Insurance?
Financial security, peace of mind, protection for loved ones, tax benefits (in some cases), and additional benefits like emergency medical evacuation.
What factors affect the premium of a Personal Accident Insurance policy?
Factors like age, occupation, sum insured, and the level of coverage can influence the premium. .
What are the common exclusions in a Personal Accident Insurance policy?
Common exclusions include self-inflicted injuries, intentional acts, war, nuclear risks, and certain high-risk activities.
How do I file a claim for a Personal Accident Insurance policy?
Typically, you need to inform the insurer within a specified time frame and provide necessary documents like medical certificates and police reports.
What documents are required to file a claim?
Required documents may include a claim form, a copy of the insurance policy, medical certificates, police reports, and any other relevant documentation.
How do I choose the right Personal Accident Insurance policy?
Consider factors like your age, occupation, lifestyle, and financial needs. Consult with an insurance agent or advisor to understand your specific requirements.
Why is it important to have Personal Accident Insurance?
Accidents can happen unexpectedly, and the financial consequences can be significant. Personal Accident Insurance provides a safety net to protect you and your family from these risks.
Need Help (Consult Accidental Insurance Policy Online & Claim Form)
Claim intimation can be given by calling ABHIC's call centre- 18002707000, or by emailing care.healthinsurance@adityabirlacapital.com, or by writing to ABHIC’s office.
Provide the below-mentioned details within 7 days from the date of occurrence of the critical illness / medical event:
• COI number of the member
• Name of the group member
• Name and address of the Insured Person (Group member or the family members enrolled in the Policy) in respect of whom the request is being made
• Hospital where treatment/surgery was taken
• Date of admission and date of discharge or approximate length of stay
• Any other information that may be relevant to the Illness/ Injury/ Hospitalisation
FAQs on Personal Accident Insurance
Premium costs for personal accident insurance vary depending on factors like age, occupation, sum insured, and the level of coverage. It's best to consult with an insurance agent or directly with the insurance provider to get accurate quotes.
Personal Accident Insurance offers financial security by providing coverage for accidental death, disability, and medical expenses. It can help mitigate the financial burden associated with accidents.
Yes, most Personal Accident Insurance policies can be renewed annually.
You'll need to provide proof of identity proof of address, and medical information.
To file a claim, you'll usually need to notify your insurer promptly and provide necessary documents like medical certificates, police reports, and any other relevant paperwork.
The Insured Person/ Policyholder can contact Us with the details through our website: www.adityabirlacapital.com,
Email: care.healthinsurance@adityabirlacapital.com, or
Toll Free: 1800 270 7000.
Address: Any of Our Branch office or Corporate office. For senior citizens, please contact respective branch office of the Company or call at 1800 270 7000 or write an e- mail at seniorcitizen.healthinsurance@adityabirlacapital.com.
The Insured Person can also walk-in and approach the grievance cell at any of Our branches. If in case the Insured Person is not satisfied with the response, then they can
contact Our Head of Customer Service at the following email arehead.healthinsurance@adityabirlacapital.com.
If the Insured Person is still not satisfied with Our redressal, he/she may approach the nearest Insurance Ombudsman. The contact details of the Ombudsman offices are provided on Our website and in the Policy.
Yes, you can usually cancel your personal accident insurance policy, but there may be specific procedures and potential penalties involved.
Typically, there are no waiting periods for personal accident insurance. Coverage starts immediately upon policy activation.
You can update your personal details by contacting your insurance provider directly or through their online portal.
Yes, there are exclusions, such as self-inflicted injuries, intentional acts, war, nuclear risks, and certain high-risk activities.
Depending on the insurer and policy, you may be able to add additional coverage, such as critical illness coverage or accidental death and dismemberment coverage.
You can check your policy status through your insurer's online portal, mobile app, or by contacting their customer service.
Contact your insurer's customer service with your personal details, and they can assist you in retrieving your policy number.
Most insurers offer a grace period of 15-30 days to pay your premium without the policy lapsing.
If you miss a premium payment, your policy may lapse. However, you may be able to reinstate it within a specific grace period by paying the overdue premium.
No, Personal Accident Insurance policies are not transferable. They are specific to the individual policyholder.
You can access your policy documents through your insurer's online portal, mobile app, or by contacting their customer service.
Yes, Personal Accident Insurance policies are generally portable, meaning they remain valid even if you move to a different location.
You can contact your insurer's customer support through their website, mobile app, or by calling their toll-free number.
Yes, many Personal Accident Insurance policies cover medical expenses incurred due to accidents. However, the extent of coverage may vary depending on the policy.
Accidental Insurance covers specific risks related to accidents, while Life Insurance provides a lump sum benefit to beneficiaries upon the policyholder's death, regardless of the cause.
Tax benefits for Personal Accident Insurance premiums may vary depending on the specific tax laws of your country. It's advisable to consult with a tax professional for accurate information.
The limit of personal accident insurance, or the sum insured, is the maximum amount the insurer will pay in case of a claim. .
Our Other Plans
Mental Health and Nutrition Insurance
The mental health and nutrition insurance provides counselling for both nutrition and mental health purposes. A 24/7 psychologist is also available online.
Hospital Cash Insurance
Hospital Cash Insurance offers daily cash benefits on hospitalisation for treatment due to illness or injury.
Know More
Dental Care Insurance
This policy covers dental treatments helping maintain oral health without financial stress.
Eye Care Insurance
Eye care insurance provides coverage for various eye-related treatments.