Personal Accident Insurance

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Personal Accident Insurance

What is Personal Accident Insurance?

Personal accident insurance offers financial protection in case of accidental injuries, disability, or death. It covers events like road mishaps, falls, burns, and more—ensuring your family doesn't face financial strain. The policy pays a lump sum or weekly compensation depending on the severity of injury. It's an essential layer of protection, especially if you're the primary breadwinner or work in high-risk environments.

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Why Choose Accident Insurance Online?

A Quick and Reliable Way to Stay Protected

Affordable, flexible, and fully digital.

Instant Policy Issuance
Get coverage within minutes without paperwork or medical tests.
Easy Comparison
Review multiple insurers and plans before making a decision.
Lower Premiums
Online purchases often come with lower costs and exclusive discounts.

Why You Need Personal Accident Insurance

Accidents Can Change Everything—Be Financially Ready

It’s not just a policy—it’s income protection.

Covers Accidental Death

Provides a lump sum benefit to your family in case of accidental death.

Permanent Total Disability Cover

Offers compensation if you're unable to work again due to severe injury.

Temporary Income Loss Cover

Weekly payout during recovery when you can’t earn.

Hospitalization Expenses

Some plans include coverage for treatment post-accident.

Affordable Premiums

Get high coverage at very low annual premiums.

Worldwide Coverage

Many policies cover accidents that occur anywhere in the world.

Types of Personal Accident Insurance Plans

Choose Coverage That Matches Your Lifestyle

Flexible options for individuals, families, and higher-risk occupations.

Individual Accident Policy
Covers injuries, disability, or death of a single person due to accidents.
Family Accident Policy
Offers protection for your spouse and children under one plan.
Group Personal Accident Plan
Designed for companies to insure employees against accident-related injuries.
Education Grant for Children
Some policies pay for your child’s education in case of permanent disability or death.
Accidental Hospital Cash
Daily payout to cover hospital stay after an accident.
High-Risk Occupation Plans
Extra coverage for people working in hazardous jobs like construction or transport.

Why Choose Epsilon Money

Accident Cover You Can Rely On

We guide you, not sell to you.

Compare Multiple Plans

Choose from leading accident insurance providers in one place.

Unbiased Assistance

Get honest advice from insurance experts—no commissions, no pressure.

Instant Policy Access

Buy and receive your policy online within minutes.

Claims Support

Our team helps you or your family navigate the claims process smoothly.

Custom Add-On Options

Add extra protection like accidental hospital cash or fracture cover.

Trusted by Families Across India

Join thousands who’ve secured their future with Epsilon Money.

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Get Covered Today and Stay Protected Always

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Key Things to Check Before Buying

Features That Define a Good Accident Policy

Make sure your coverage is practical, not just promotional.

Coverage Scope
Check if it includes death, disability, income loss, and hospital expenses.
Exclusions
Know what isn’t covered—like self-inflicted injuries or intoxication-related accidents.
Claim Settlement Ratio
Choose insurers with a good record of honoring claims on time.
Premium vs Benefit
Ensure the benefit amount justifies the yearly premium you’ll pay.
Renewability Options
Look for lifelong renewal and minimal age-based restrictions.

How to Buy Accident Insurance Online

Fast. Secure. Hassle-Free.

Get covered in just 3 simple steps.

Enter Basic Details

Fill in age, occupation, coverage needs, and dependents if applicable.

Compare & Select a Plan

Review benefit amounts, premium, add-ons, and exclusions.

Pay & Get Instant Policy

Complete the payment and download your policy instantly.

How to Claim Personal Accident Insurance

We’re Here When It Matters Most

Simple steps to ease the process during tough times.

1

Report the Incident
Intimate the insurer immediately after the accident occurs.

2

Submit Necessary Documents
Provide FIR (if required), medical reports, ID proof, and claim form.

3

Claim Settlement
The insurer will verify and disburse the amount directly to you or your nominee.

Frequently Asked Questions About Personal Accident Insurance

Your Questions, Clearly Answered

Make confident decisions with the right information.

It covers accidental death, permanent or partial disability, and temporary income loss due to accidents. Some policies also include hospitalization, medical expenses, and education grants for dependents. The scope depends on the insurer and plan type.

Anyone with an active lifestyle or those dependent on physical work should strongly consider it. It’s especially vital for sole breadwinners, professionals in high-risk jobs, frequent travelers, and anyone without sufficient life or disability coverage.

Life insurance pays out on death (any cause), while health insurance covers treatment for illness or injury. Personal accident insurance specifically covers accidental events only—offering payouts for injury, disability, and death caused by sudden, unforeseen incidents.

Yes, many personal accident plans offer worldwide coverage. This means if you're injured or pass away due to an accident while traveling internationally, your policy will still be valid. Always confirm the terms with your insurer.

Usually, no. Most personal accident policies do not require any pre-policy medical tests, making them easier and quicker to issue. However, full disclosure of pre-existing health conditions and occupation is still necessary.

Yes, you can claim both if the accident leads to hospitalization and qualifies under both policies. For example, you may get hospital bills covered under health insurance and receive a lump sum payout under your accident plan simultaneously.

This benefit offers weekly compensation if you're temporarily unable to work due to an accident. It helps replace lost income while you recover. The payout amount and duration depend on your policy terms and occupation.

If all required documents are submitted promptly, claims are generally processed within 7–15 working days. In complex cases, it might take longer depending on investigation needs or missing documents. Always follow up regularly with the insurer or your advisor.

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