Personal Accident


 Description of Personal Accident Insurance Business:

Personal Accident Insurance: This is the basic type of policy providing cover in respect of accidental death or bodily injury to the insured and also providing benefit in respect of temporary total or temporary partial or permanent total or partial disablement of the insured arising out of accident.

Direct risk covered under personal accident insurance:

a) Death, permanent, total, partial & temporary disablement

b) Death, permanent, total & partial disablement

c) Death only.

Additional risks covered on payment of additional premium:

Medical expenses can be included under (a).


• Insured is required to pay the stamp duty.

• The age limit of personal accident insurance is 16-65 years.