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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.
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68,400
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2,00,000+
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Wisdom in Choices
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
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:
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.
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.
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:
-
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
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
ABCD: One app for all your insurance needs
Secure yourself and your loved ones financially with life insurance. Buy online through the ABCD app and get instant coverage.
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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.
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. .
Temporary Total Disability (TTD) coverage provides compensation if you are completely unable to work for a short period due to an accident. The policy pays a weekly benefit (usually a fixed percentage of your income) until you recover or up to the maximum duration specified in the policy.
Yes, most personal accident insurance policies offer worldwide coverage, meaning you’re protected even if an accident happens while travelling or staying abroad. However, this may vary based on the insurer and plan, so always verify the scope of geographical coverage in your policy document.
Yes, you can purchase and hold multiple personal accident insurance policies. During a claim, you may be eligible to receive compensation from more than one insurer, especially for permanent disabilities or accidental death, depending on the sum insured and terms of each policy.
Not usually. Injuries caused by adventure or hazardous sports like paragliding, skydiving, or scuba diving are typically excluded unless you opt for a plan that specifically includes such activities. Always check the list of exclusions before purchase.
It’s recommended to notify the insurer immediately, ideally within 24 to 48 hours of the accident. Delays in intimation may lead to claim rejection. Ensure you also submit all supporting documents and medical reports promptly for smooth claim processing.
Yes, many insurers offer family personal accident insurance plans where you can cover your spouse and dependent children under a single policy. Each insured member will have their own sum insured and benefits based on the plan chosen.
Generally, no pre-policy medical check-up is required for standard personal accident insurance, especially if you’re within the eligible age bracket and opting for a moderate sum insured. However, higher coverage amounts or certain risk profiles may require medical underwriting.
Individual personal accident insurance covers one person and is customised to their risk profile and needs. Group personal accident insurance is typically offered by employers or organisations and covers multiple members under a single contract, often with lower premiums but limited customisation.
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.