Personal Accident

Is there any grace period for renewal of policy?

While the renewal policy for critical illness insurance varies from company to company, most of the companies offer a grace period of 30 days. Please read the policy documents carefully before purchasing any policy.

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Is there any tax benefit under Personal Accident like covers?

No, tax benefit is not available under a personal accident policy.

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What is excluded in a Personal Accident Policy?

No compensation / claim will be payable in respect of death, injury or disablement of the insured due to the following reasons:-

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Can a Personal Accident Cover be granted to a proposer where war and war like situation prevails?

No. Under normal circumstances where war like situations prevails personal accident cover cannot be granted to the proposer. However, there are certain companies which offer a coverage on payment of additional premium.

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What is a Cumulative Bonus in Personal Accident Plan?

Similar to health insurance, personal accident policies also offers a cumulative bonus on claim free years. In the event, if there is no claim made under the policy and it has been renewed with the insurance company without any break.

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What is the compensation payable in the event the insured sustains TTD (Temporary Total Disablement)?

As the name implies, temporary total disability is a disablement which is total but for a temporary period only. Under this disability, the insured cannot wholly and continuously perform each and every duty pertaining to his job / occupation.

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What is Permanent Total Disablement, Permanent Partial Disablement & Temporary Disablement?

Accidental death (ad) in the event of death due to an accident, the insurance company shall pay 100% of the sum insured to the nominee of the insured person.

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Could you provide some accident claims advice? How do I file for claim?

Just met with an accident and are going to raise a claim? Wait, here are the things you first need to do before you file for an accident claim:

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Tab 1

Health Insurance

A Burger a Day Keeps the Doctor Away


Tab 2

2 burgers per month

burger₹ 700
Your yearly cost on fast food = roughly ₹ 8,400
Cost of Health Insurance for whole family with ₹ 5 lakhs cover!

Tab 3

That’s a good decision!

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