Personal accident insurance covers accidental death, permanent disability and temporary disability. Affordable premiums starting under ₹500/year for ₹10L cover.
Compare plans from 30+ insurers on Policybazaar — India's largest insurance marketplace.
Get Accident Insurance Quote on Policybazaar →Free · No spam · Compare 30+ insurers
Accidental death (full sum assured paid to nominee), permanent total disability (100% sum assured), permanent partial disability (proportionate payout), and temporary total disability (weekly income benefit). Some plans also cover hospitalisation expenses from accidents.
Anyone with dependents, particularly those in high-risk occupations, frequent travellers, or those whose family depends on a single income. It's the most affordable insurance available — ₹500/year for ₹10L cover is common.