Weekly Benefit
Temporary Total Disability (TTD)
Pays a weekly amount, up to a limit in the plan, while a doctor certifies that you cannot work after an accident.
Protection for the cost of an accident, at work or away.
Cover for accidents, anywhere, as per policy
Death and disability benefits
Optional income benefit during recovery
Beyond Health Insurance Gaps
Financial support when an accident changes everything
Health insurance pays for treatment. It does not usually replace income if an accident leaves you unable to work for a while, or for good. Personal accident insurance pays a benefit on accidental death or disability, and some plans offer an income benefit during recovery. A Distroo Advisor helps you check which benefits you actually need.
Lump Sum on Accidental Death or Permanent Disability
Optional Weekly Benefit During Temporary Disability
Cover Anywhere in the World, as per the Policy Territory
Optional Child Education and Funeral Expense Benefits
Claim Guidance
How a Personal Accident Claim Works
A clear process helps when an accident happens. Here is how a claim usually works, and where your Advisor helps. The insurer decides the claim.
Step 01
Inform the Insurer
Inform the insurer and your Advisor as soon as possible, within the time stated in the policy.
Step 02
Documents
Submit the FIR or panchnama copy, where applicable, and the treating doctor's reports and disability assessment.
Step 03
Disability Assessment
The insurer assesses the extent of disability against the policy's benefit schedule, often based on a medical certificate.
Step 04
Claim Decision
The insurer decides whether the claim is admissible under the policy and the benefit payable.
Step 05
Payment
If the claim is admitted, the benefit is paid by bank transfer to the insured or the nominee.
Policy Add-Ons
Optional Benefits and Add-Ons
Basic accidental death cover can be extended with disability and income benefits. Each has its own terms, limits and cost.
Family Support
Child Education Benefit
Some plans add a benefit towards the education of dependent children after an accidental death or disability.
Fracture Care
Fracture and Hospital Cash
Some plans pay a fixed amount for specified fractures or a daily amount during hospitalisation after an accident.
Emergency Transport
Ambulance and Evacuation
Some plans cover ambulance or emergency evacuation after an accident, within limits.
Talk to an Advisor
Want help choosing accident cover?
Share your occupation and needs and a Distroo Advisor will explain suitable options in plain language.
Know the Terms
Personal Accident Cover Inclusions & Exclusions
How accidental events are typically treated. Your policy wording is the final word.
What Is Covered
CoveredTypical features of personal accident policies; check your policy
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Accidental Death
The sum insured, or the percentage stated in the plan, is paid to the nominee on death caused by an accident.
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Permanent Total Disability
A benefit for events such as loss of both limbs, loss of sight in both eyes or permanent paralysis, as defined in the policy.
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Permanent Partial Disability
A percentage of the sum insured for partial losses, such as loss of a finger or hearing in one ear, as per the policy's schedule.
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Worldwide Cover
Many plans cover accidents anywhere in the world during work, travel and daily life. Check the territory in your policy.
What Is NOT Covered
ExcludedTypical exclusions; the policy wording is final
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Driving Under the Influence
Accidents while under the influence of alcohol or drugs are generally excluded.
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Self-Inflicted Injury
Intentional self-harm and attempted suicide are generally excluded.
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Unlawful Activity
Accidents while taking part in criminal acts, riots or civil commotion are generally excluded.
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Hazardous Sports
Racing, skydiving or deep-sea diving may be excluded unless a specific add-on is chosen.
Eligibility Checklist
Documents Required for Personal Accident Claims
Complete incident records help the insurer assess the claim.
Police FIR & Panchnama / Final Report
A certified copy of the First Information Report, where applicable.
Post-Mortem & Death Certificate
Post-mortem report, if required, and the death certificate.
Nominee KYC & Bank Mandate
Nominee's ID, PAN and a cancelled cheque for direct payment.
Disability Certificate
A medical certificate assessing the extent of disability, from a recognised doctor or medical board, as the insurer requires.
Discharge Summary & Operative Notes
Hospital records, operation notes and rehabilitation notes related to the accident.
X-Rays & Radiology Reports
Imaging that supports the injury and its extent.
Doctor's Bedrest Certificate
The treating doctor's written advice on the period you cannot work.
Leave Record / Payslips
Employer leave confirmation and recent payslips, if the insurer asks for them.
Fitness Certificate
A certificate from the treating doctor confirming recovery and fitness to resume work.
Free Advisory Call
Book a One-on-One Consultation
Discuss your occupation, dependants and goals with a Distroo Advisor.
Policy Review
Get Your Existing Policy Reviewed
Share your policy schedule and we will explain its key terms and possible gaps.
Free Personal Risk Review
Check Your Accident Protection Gap
Your Advisor looks at your occupation, dependants and existing cover to suggest benefits that make sense, and explains the options from partner insurers.
- Occupation class and its effect on premium explained
- Help understanding the territory and exclusions
- A named Advisor as your point of contact
FAQs
Frequently Asked Questions on Personal Accident Cover
Answers about disability benefits, occupation classes and claims.
Term insurance pays on death. If an accident leaves you disabled but alive, a term plan usually pays nothing unless it carries a disability rider. Personal accident cover can pay a benefit for disability and, with some plans, for temporary loss of income.
Insurers group occupations by accident risk. In general, Class I covers office-based work, Class II covers work that involves regular travel or field activity, and Class III covers more hazardous work such as heavy machinery. Premium and eligibility can vary by class.
If a doctor certifies that an accident has left you unable to work for a period, some plans pay a weekly amount, up to a limit and number of weeks stated in the policy. Check the limit and any waiting period.
Many personal accident policies cover accidents worldwide, but the territory is stated in the policy. Check it, along with how claims are settled for events abroad.
An FIR or panchnama is usually required for road, rail or public-place accidents and for fatal accidents. For minor injuries, the insurer may accept medical records. Check your policy and the insurer's requirements.