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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit 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 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrCorporate Governance Policies
- Policy for appointment of Statutory Auditors
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
- Privacy Policy
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
- Outsourcing FAQ’s
- Press Releases
- Our Digital Lending Platform Partners
- ABCL List of active CLA Partners
- List of Third parties
- Our Digital Referral Partners
- ABCL Collection and Recovery Agency List
- ABCL Terminated Collection and Recovery Agency List
- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Archival Policy
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Experience ConseQuest- A game where your decisions drive your future.
- Wisdom in Choices
- Life Optimised
- Simplifying Success
What is Personal Accident Insurance?
A Personal Accident Policy offers financial protection if you suffer injuries, disability, or death due to an accident. The claim process is straightforward, with benefits typically paid out as a lump sum to you or your nominated beneficiary.
Let's understand this with a practical example:Imagine Raj, a 35-year-old working professional, meets with a road accident and sustains a permanent partial disability. Since Raj had a Personal Accident Insurance policy, his family immediately informed the insurer and submitted the required documents, including the FIR, medical reports, and hospital bills.
The insurance company verified the details and approved the claim within a week. In Raj's case, the benefit amount was calculated based on the type and percentage of disability as per the policy terms. The payout was credited directly to his bank account within 10-15 working days from approval, helping him manage treatment costs and maintain his household expenses during recovery.
When you buy personal accident insurance plan, the claim settlement ensures that even during life's most unexpected moments, you or your family have the necessary financial support without delay.
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.
Benefits of a Personal Accident Insurance
Medical Expense Coverage
You can cover medical costs arising from accidents, including hospitalisation, surgeries, and medications.
Income Replacement
The insurance provides a lump sum amount during periods of disability, ensuring financial stability.
Lump Sum Benefits
It offers substantial lump sum payouts for accidental death or permanent disability.
Reduced Financial Stress
Knowing you're protected from unexpected financial burdens can alleviate stress and anxiety.
Focus on Recovery
You can concentrate on healing without worrying about financial implications.
Secure Your Family's Future
The coverage ensures your loved ones are financially protected in case of unforeseen accidents.
Get Insured in 5 Easy Steps for Personal Accident Insurance
Here's how you can buy personal accident cover in just a few simple steps:
Choose Your Plan
Pick the right coverage—individual or group personal accident insurance based on your needs.
Submit Documentation
Upload required documents like ID proof, address proof, age proof, and income documents (if applicable).
Make Payment
Pay the premium amount online or offline to activate your policy.
Receive Policy Document
Once approved, your policy will be issued via email or courier.
Understand Policy Terms
Review the policy details, exclusions, claim timelines, and waiting periods carefully.
Our Personal Accident Insurance Plans At A Glance.
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.
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.
Check your Eligibility and Document Required for Personal Accident Insurance
Eligibility Criteria for Personal Accident Insurance
Before purchasing a personal accident insurance plan, you must meet the following basic eligibility requirements:
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Age Limit
You must be at least 18 years old to apply. The maximum age limit may vary across insurers. -
Medical Condition
Applicants should not have major pre-existing illnesses like heart disease, cancer, or stroke. -
Occupation Disclosure
You must honestly declare your job role. Risky occupations may impact your premium or eligibility.
Documents Required for Personal Accident Insurance
You’ll need to submit a few basic documents while applying for a personal accident policy:
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Identity Proof
Any government-issued ID such as Aadhaar, PAN card, or Passport. -
Address Proof
Proof of residence, such as utility bills, Aadhaar, or driving licence. -
Passport-size Photograph
A recent passport-size photo for policy records. -
Age Proof
Valid documents like birth certificate or PAN card to confirm age. -
Income Proof
Required for high sum insured plans, such as salary slips or ITRs. -
Duly Filled Proposal Form
A completed and signed application form with accurate details.
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
Arun Sharma
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
Mrs. Mangal Prathamesh Mithari
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
Shruti Davda
Aditya Birla Health Insurance
ABCD: One app
Secure yourself and your loved ones financially with life insurance. Buy online through the ABCD app and get instant coverage.
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Wide range of insurance policies -
Online premium payments
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Plan purchase in few clicks
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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?
Understanding how insurance for personal accident functions helps you know when and how it supports you financially.
Premium Payment
You pay a fixed premium to the insurer regularly.
Claim Payout
In case of an accident, you receive a lump sum or periodic income as per your policy terms.
Coverage Trigger
Benefits are provided when the accident leads to death, disability, or hospitalisation.
Direct Benefit
The compensation is usually paid directly to you or your nominee.
What are the common types of coverage offered by Personal Accident Insurance?
Personal accident insurance policy provides various levels of protection to suit different accident scenarios.
Accidental Death
Provides a lump sum to the nominee in case of the policyholder’s death.
Permanent Total Disability
Covers 100% of the sum insured if you suffer total and permanent disability.
Permanent Partial Disability
Covers partial but permanent loss of bodily function.
Temporary Total Disability
Pays weekly benefits for a limited period during recovery.
Medical Expenses
Reimburses costs incurred on medical treatment due to an accident.
What are the benefits of having Personal Accident Insurance?
Having a personal accident cover offers a financial cushion during physically and emotionally challenging times.
Financial Security
Covers unforeseen medical and recovery expenses.
Peace of Mind
Assures support during unexpected life events.
Family Protection
Provides a safety net to dependents.
Tax Benefits
Premiums may be eligible for tax deductions under certain sections.
Additional Benefits
Includes services like ambulance cover or emergency evacuation.
What factors affect the premium of a Personal Accident Insurance policy?
Several aspects are evaluated to determine the cost of your personal accident cover.
Age
Younger individuals generally pay lower premiums.
Occupation
Riskier jobs attract higher premiums.
Sum Insured
Higher sum insured means a higher premium.
Lifestyle
Adventure sports or unsafe habits can increase costs.
Coverage Scope
Wider coverage and add-ons increase the premium.
What are the common exclusions in a Personal Accident Insurance policy?
It's vital to know what's not covered to avoid surprises at claim time.
Self-Inflicted Injuries
Deliberate harm is not covered.
Intentional Acts
Injuries resulting from unlawful activities are excluded.
War or Civil Unrest
Losses due to war, invasion, or rebellion are not covered.
Nuclear Risks
Damage from radioactive contamination is excluded.
High-Risk Activities
Participation in racing, diving, etc., may not be covered.
How do I file a claim for a Personal Accident Insurance policy?
Filing a claim is simple, provided you follow the right steps and timelines.
Notify Insurer
Inform the insurer within the required time frame.
Collect Documents
Keep medical certificates, police reports, and the claim form ready.
Submit Details
Include policy number, event date, and hospital details.
Cooperate in Assessment
Facilitate medical checks or investigations if needed.
Await Processing
Once verified, the insurer will process your claim.
What documents are required to file a claim?
Ensure you keep essential documents ready to avoid delays.
Policy Copy
A copy of the active insurance policy.
Claim Form
Duly filled and signed by the policyholder.
Medical Reports
Doctor’s notes, hospital bills, and discharge summary.
Police Report
If applicable, a FIR or investigation report.
ID & Address Proof
Valid identity and address documents.
How do I choose the right Personal Accident Insurance policy?
Selecting a suitable plan ensures complete protection tailored to your needs.
Assess Lifestyle Risk
Match policy type with your daily activities and job risk.
Consider Sum Insured
Choose coverage that matches your income and liabilities.
Evaluate Benefits
Look for policies with broad and relevant features.
Check Premiums
Balance affordability with adequate protection.
Seek Expert Help
Consult a trusted advisor for customised guidance.
Why is it important to have Personal Accident Insurance?
Having this cover safeguards your financial health and offers emotional relief.
Accidents Are Unpredictable
They can happen anytime, to anyone.
Financial Cushion
Avoids out-of-pocket expenses for hospitalisation or disability.
Family Welfare
Protects your dependents from income loss.
Quick Recovery
Focus on health, not expenses.
Long-Term Protection
Covers you throughout your earning years.
Need Help? (Consult Accidental Insurance Policy Online & Claim Form)
If you're unsure about the process or need support, help is just a call or email away.
Call Support
Dial 18002707000 to reach ABHIC’s call centre.
Email Assistance
Write to care.healthinsurance@adityabirlacapital.com.
Submit Details
Share necessary details within 7 days of the event.
Required Information
Include COI number, name, hospital, and treatment dates.
Additional Help
You can also visit ABHIC’s nearest office for support.
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.
ABC Of Insurance
Personal Accident Insurance plans are subject to terms and conditions prescribed by the insurer. Coverage, exclusions, and premiums vary as per policyholder profile and insurer guidelines. Kindly refer to the sales brochure and policy wordings carefully before concluding a sale. This material is for informational purposes only and does not constitute legal or financial advice.
All policies issued are subject to underwriting. Insurance is a subject matter of solicitation. Please consult with your advisor or read product documents thoroughly before purchasing.