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Buy and/or Renew Personal Accident Insurances in India from Instacover
Personal Accident Insurance
A personal accident insurance plan offers its policy holder additional health insurance coverage of getting financially supported and reimbursed in case if any loss or damage is incurred due to getting involved in an accident. Personal Accident Insurance can also be opted with other insurance plans in the form of addons.Best Things about InstaCover Personal Accident Insurance
FIXED BENEFITS
Get covered for any loss or damage due to accidents in form of medical reimbursements and fixed benefits.
NO MEDICAL TESTS NEEDED
While other insurance policies may demand this, a Personal Accident insurance is offered without the need of going through a medical test.
WIDE RANGE OF COVERAGE
A Personal Accident insurance include cover for a wide range of events both at major, and minor scale, i.e. from small injuries to accidental death, a variety of things are covered.
COVER HOME HOSPITALIZATION
Get covered for any medical expense incurred during your time of being home treated in form of complete reimbursements with a personal accident insurance plan.
CUMULATIVE BONUS
Get rewards in form of lowered premiums or enhanced sum insured in case if you do not make a claim for your personal accident insurance policy.
- Fixed Benefits
- Get covered for any loss or damage due to accidents in form of medical reimbursements and fixed benefits.
- No Medical Tests Needed
- While other insurance policies may demand this, a Personal Accident Insurance is offered without the need of going through a medical test.
- Wide Range of Coverage
- A Personal Accident Insurance include cover for a wide range of events both at major, and minor scale, i.e. from small injuries to accidental death, a variety of things are covered.
- Cover Home Hospitalization
- Get covered for any medical expense incurred during your time of being home treated in form of complete reimbursements with a personal accident insurance plan.
- Cumulative Bonus
- Get rewards in form of lowered premiums or enhanced sum insured in case if you do not make a claim for your personal accident insurance policy.
Looking for your Personal Accident Insurance?
InstaCover India offers a variety of benefits and advantages in terms of covers and savings, so when searching for a good Personal Accident Insurance, you need to look no further!
Call us now and we will do the best we can to help you out with your Personal Accident Insurance needs
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+91-9995551863
Coverage offered in Personal Accident Insurance
Get financial coverage in case if you get involved in any accident or such mishap. Here are the things you get covered for:
Disablement
Get covered for any financial loss for disablement (partial or permanent) in case if you get injured in accident.
Accidental Death
Your family gets compensated to the full amount of sum insured in case of sudden accidental death.
Hospitalization Expenses
Complete covers for any hospitalization cost covered in case if get caught up in accident.
Loss of Income*
Get support for your finances in case if you suffer partial disablement due to getting caught up in an accident.
Benefits for Children*
In case of accidental death your family gets benefitted financially in the form of education compensation and marriage expense (depending on the scope of the policy).
Adventure Sports*
Travel insurances don't cover for loss or damage caused due to involving in adventure sports activities. Thankfully, it is covered with a proper personal accident cover.
Things Not Covered in a Personal Accident Insurance
Here are a few instances that are not covered in your Personal Accident Insurance:
Cover not offered if the injury sustained were due to war or terrorism situation.
Covers not offered if the loss incurred was due to alcohol or substance abuse.
No covers offered if the accidental injury had a follow up of you engaging in some criminal activity.
Types of Personal Accident Insurance Plans
Select the best plan that suits you and your family. Here are the three main options available for you to choose from:
| Important Policy Features | Fundamental Option | Support Option | All-Rounder Option |
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Accidental Death |
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Permanent Total Disablement |
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Permanent Partial Disablement |
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All Hospitalization |
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Day Care Procedures |
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Cumulative Bonus |
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Standard Policy Features |
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Road Ambulance Charges |
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Hospital Cash |
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Child Education Benefit |
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Home Hospitalization |
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Pre/Post Hospitalization |
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Funeral And Transportation Expenses |
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Transportation of Imported Medicines |
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What is the cost of premium for Personal Accident Insurances
- A lot of factors affect the price of the premium when calculating Personal Accident Premium, including:
- Age of Policyholder
- Occupation of the Policyholder
- Annual Income of the Policyholder
- Total number of additional members included along with their age
- Your Geographical Location
- The Total Sum that you want to get insured for
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What to look for when choosing the Right Personal Accident Insurance Policy
When selecting the right insurance plan, it is best suggested to review all kinds of plans, from variety of companies and go through each benefit plans depending on your needs and wants.
Review all the instances that you will get covered and select the right coverage plan when choosing your insurance policy.
When choosing a Personal Accident Insurance Policy, its very important to review the amount of covered sum that you are being insured for so that you benefit the most at the time of making the claim.
Always go with a provider that offers you a convenient claim process so that you get benefitted the most from the money you pay for as premium when you need it the most. Other thing is that it should be hassle-free.
FAQs Related to Personal Accident Insurance Policies
Yes, a personal accident policy offers its policyholders to add parents and other dependents of the family in their policy in their age is less than 70 years (or as per mentioned in the policy).
The individuals who want personal accident insurance should be between the age of 18 and 70 years. In case of dependents, children should not be more than 25 years of age and in case of parents, must not be more than 70 years of age.
The amount of compensation that you are entitled to benefit for from your Personal Accident insurance is usually set as a percentage of overall sum insured. The percentage however depends on the terms and conditions stated in the policy.
We try to keep your documentation as minimum as possible when it comes to getting insurances. All you have to do to get a personal accident insurance is fill up the required details and just process the payment.
Looking for your Personal Accident Insurance?
InstaCover India offers a variety of benefits and advantages in terms of covers and savings, so when searching for a good Personal Accident Insurance, you need to look no further!
Call us now and we will do the best we can to help you out with your Personal Accident Insurance needs
