Health And AccidentalPersonal Accident Insurance

Personal Accident Insurance

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Personal Accident Policy

Accidents are unforeseen and inevitable. Everybody is always at risk - on the roads, at work, while travelling, or even inside your own home. Some unfortunate accidental occurrence might bring a substantial financial burden to you and your family. As you cannot guard against all uncertainties and mis happenings of life, therefore Personal Accident Insurance ensures the financial stability for you and your family in the event of an accident.
The policy covers physical injuries, bodily burns and accidental death. If the accident leads to the untimely death of the Insured, this policy will provide financial security to the Insured's family members. The policy also covers eventualities where though the insured person survives an accident, he is crippled for the rest or part of his life. In such cases, the policy will pay a fixed percentage of sum insured depending upon the type of disablement.

Key Benefits

  • Personal Accident Insurance also provides for expenses associated with accidents.
  • In case of the accidental death of the insured, 100% of the sum insured is paid to the nominee.
  • 100% of the sum insured is paid in case the insured losses vital limbs.
  • Half of the sum assured is paid out to the insured in case of partial permanent disablement.
  • A certain percentage of the sum assured will be paid to the insured in case of temporary complete disability.
  • The policy also offers coverage for the Insured's broken bone due to an accident,
  • This policy protects against burns arising due to an accident.


Add on Covers

  • Education Benefit
  • Employment Benefit
  • Ambulance Benefit
  • Cumulative Benefit
  • Compensation for clothing damaged in an accident
  • Expenses for the carriage of the dead body
  • Modification allowance
  • Family transportation


  • Self-injury
  • Suicide
  • Venereal disease
  • Insanity
  • Influence of intoxicating liquor or drugs
  • War and nuclear risks

Claim Process

In case of any eventuality leading to a claim under the policy.
This policy provides complete cover in the event of death or disablement of the insured due to accidents occurring anywhere in the world.
There are four types of claims we can file under the policy:

  • Accidental Death
  • Permanent Total Disability
  • Permanent Partial Disability
  • Temporary Total Disability

Accidental Death claim documents checklist

  • Claim form
  • Death Certificate
  • FIR/MLC/Police Final report/Railway Guard Memo (In case of a Railway accident)
  • Post Mortem Report/Viscera Report/Certificate from treating doctor giving proximate cause of Death.
  • If Medical expenses are to be claimed - Medical bills and cash memos, Doctor's Prescriptions, and hospital Discharge summary
  • AML Documents (address and id proof) and KYC form
  • ID Proof of the Nominee & Deceased.

Why Choose PrishaPolicy

5 Reasons why you should choose us to be your policy issuing partner of choice. Allow us to tell you why we are one of the fastest growing insurance brokers.

Customer-Centric Culture

For us, you always come first. Our products and services are designed to find the best coverage for all.

A Decade of Market Leadership

Our teams expertise and experience makes them the perfect guides in choosing a policy that fits your needs.

Reliable and Consistent

Rest assured that everything will be taken care of without a glitch. From shortlisting to claims processing & delivering promises without a hitch.

Guided Policy Assistance

Our experts are forever ready to assist you through each policy detail with a fine-tooth comb.

Claims Assistance

Our DNA prompts - Sales is incomplete without timely support. From start to end, we facilitate smooth processing from lodging to settlement.

Still Thinking About It?

Get on a call with us. We take pride in being associated with you for competitively managing your risks with the best insurance covers and delivering a stress-free experience.

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Questions You Might Have

What are pre and post-hospitalization expenses in health insurance?

Pre-hospitalization expenses refer to the medical expenses incurred before getting admitted to a hospital. Post-hospitalization expenses refer to the cost of follow-up tests and consultation treatment charges incurred after getting discharged from the hospital. Health plans in India mostly cover pre-hospitalization expenses up to 30 to 60 days and post-hospitalization expenses up to 60 to 90 days, depending on the plan.

At what age can I include my children in my health insurance plan?

You can include your children in a family floater policy from day 1. In some health plans, children are covered from 91 days onwards. Nonetheless, you are advised to go through the terms and conditions of a health plan carefully to know about the entry age for children.

Which diseases are not covered in health insurance?

A health insurance policy usually does not cover HIV/AIDS treatment except for a few companies. Any claims arising out of congenital disorders, venereal diseases, general debility. sexually transmitted disease and dental treatment/surgery (unless required as a part of treatment) is excluded from health insurance coverage. But do check your policy wordings to know more about the detailed list of exclusions in a health insurance plan.

What is a Cumulative Bonus in a health insurance plan?

A cumulative bonus in health insurance implies monetary benefits that the insurer provides you as a reward for not filing a claim during the previous policy year. For instance, discount on premium or sum insured enhancement. It is also called a No Claim Bonus similar to that in car insurance. However, the policy benefits differ from one health insurance company to another.

What do you mean by No claim bonus in health insurance plans?

No claim bonus (NCB) is a discount on the base premium offered if no claim on the health policy is made during the previous policy term. This bonus is usually given in the form of a premium discount or enhancement of the sum insured amount.

What is the maximum number of health insurance claims allowed in a year?

The maximum number of claims allowed under health insurance during a policy year varies from one plan to another. While some plans allow you to raise only one or two claims per policy tenure, a lot of plans do not come with any limit to the number of claims that you can file during a policy year as long as the sum insured is not exhausted. You can contact your insurer to know about the number of claims that you are permitted to file during a policy year.

What to do if my health insurance policy renewal date is missed?

Ans: If you have missed the renewal date of your health insurance policy, you must renew your policy as soon as possible. You can renew it during the grace period preventing the policy from getting lapsed. But if you renew your policy after the grace period, it will get lapsed and you may have to undergo a medical test or pay a higher renewal premium.