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Personal Accidental Insurance

Why Personal Accidental Insurance is important

Description of personal accidental Insurance

It provides financial protection in case of accidental death, disability, or injury. Accidents can happen anytime, and the impact isn’t just physical—it can cause a serious loss of income and burden your family with medical expenses. This policy ensures that you and your loved ones are supported financially if such a situation arises.

Whether it’s a minor injury or a major accident leading to permanent disability, personal accident insurance offers compensation to help you recover without financial stress.

1. Key Benefits:

  • Accidental death benefit – Lump sum paid to nominee
  • Permanent or partial disability cover – Compensation based on severity
  • Temporary total disability – Weekly income during recovery period
  • Hospital cash allowance (in some plans)
  • Covers accidents at home, work, or on the road

2. Why You Need It:

  • Accidents are unpredictable and can happen to anyone
  • Health insurance may not cover income loss due to disability
  • Personal accident cover is affordable and offers high coverage at low premium
  • Ideal for salaried professionals, self-employed individuals, drivers, workers, and business owners

3. Types of Coverage:

  • Individual Accident Cover – For single insured person
  • Family Accident Plan – Covers spouse and children too
  • Group Accident Insurance – Often offered by employers
  • Education and child support benefit (in some policies)

4. Not Covered:

  • Injuries due to self-harm, alcohol, or drugs
  • Participation in adventure sports (unless specifically covered)
  • Pre-existing disabilities
  • War or criminal activity-related accidents

Tinassure Insight

Even a small accident can disrupt your income and lifestyle. Personal Accident Insurance fills the gap left by regular health and life policies by offering direct financial support when you need it most. At Tinassure, we help you understand how these policies work and what coverage fits your life best.

📩 Want to know more or explore plan options?
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FAQS

It covers:

  • Accidental death
  • Permanent total or partial disability
  • Temporary total disability (loss of income)
  • Add-ons like medical expenses, education benefit, and funeral cover
No. Health insurance covers hospital bills, while personal accident insurance offers lump-sum compensation for death or disability due to accidents. It fills the gap that health or life insurance may not cover.
Yes, if you're hospitalized due to an accident, you can claim medical expenses under health insurance and disability/death benefits under personal accident insurance separately.

It is ideal for:

  • Salaried professionals and self-employed individuals
  • People who travel frequently or work in risky environments
  • Anyone without employer-provided accident cover
Yes. Most personal accident policies cover accidents that occur anywhere — at home, on the road, at work, or while travelling
Minor injuries are usually not covered unless they lead to temporary total disability (e.g., fractures that require rest and time off work). Some plans offer hospital cash as an add-on for such cases.
A good rule of thumb is to have a sum insured of at least 10 times your annual income, especially if you have dependents relying on you financially.
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