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/Personal Accident Cover
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Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
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Step 3Plan Comparison
What is Personal Accident Cover in health insurance?
Pays you or your family a lump sum if you die or become permanently disabled in an accident - on top of your regular health cover. Since accidents can suddenly take away your ability to earn, this add-on provides important financial protection for your family.
Also called: PA cover · accidental death and disability cover · accident rider
Every plan, ranked11 · 3 strong · 4 standard · 4 not covered
HDFC ERGOStrongOptima RestoreOptional - ₹1 Cr
Strong
The base plan pays hospital bills only; there is no lump sum for an accident. The optional Individual Personal Accident Rider pays a lump sum for accidental death, permanent total disablement and permanent partial disablement. Its sum insured is 5 times your base sum insured, up to a maximum of ₹1 Crore.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Maximum Sum Insured Cap (INR)₹1 Cr
Covered EventsAccidental Death, Permanent Total Disablement, Permanent Partial Disablement
Cover amount5xx the base plan Sum Insured
Watch out
The rider's cover is tied to your health sum insured: a ₹3 Lakh base gives ₹15 Lakh of accident cover, and the ₹1 Crore ceiling binds once the base is ₹20 Lakh or more. How much a permanent partial disablement pays is set in the rider's own wording, not in this policy.
HDFC ERGOStrongOptima Secure · Optima-SelectOptional - ₹1 Cr
Strong
Personal accident cover is not part of the base plan. It is a separate rider you can add, paying a lump sum for accidental death, permanent total disablement and permanent partial disablement. The cover is 5 times your base sum insured, with a ceiling of ₹1 crore.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Maximum Sum Insured Cap (INR)₹1 Cr
Covered EventsAccidental Death, Permanent Total Disablement, Permanent Partial Disablement
Cover amount5xx the base plan Sum Insured
Watch out
The cover amount moves with your base sum insured, so a ₹5 lakh plan buys a ₹25 lakh rider while a ₹20 lakh plan or higher is held at the ₹1 crore ceiling. The rider is a separate contract so its exclusions and claim rules sit in its own document, not in this policy wording.
Star HealthStrongStar Comprehensive₹1 Cr
Strong
One person named in your schedule gets accident cover equal to the health Sum Insured, at no extra premium and anywhere in the world. It pays 100% of that amount for accidental death or permanent total disablement. Dependent children and anyone above 70 are capped at ₹10,00,000, and once a claim is paid the cover stops until renewal.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Maximum Sum Insured Cap (INR)₹1 Cr
Covered EventsAccidental Death, Permanent Total Disablement
Cover amount1xx the base plan Sum Insured
Watch out
Only one insured person is covered at a time, and you choose who at each renewal. Death must follow the accident within 12 calendar months, and a disablement must be confirmed and claimed within 60 days of it happening.
Star HealthStandardSuper StarOptional - ₹2 Cr
Standard
Personal Accident is a separate optional cover with its own Sum Insured, up to two times your health Sum Insured and a maximum of Rs.2 Crore. Option A pays only on accidental death. Option B pays on accidental death and on permanent total disablement, both at 100%. It is paid in addition to your health cover, and a health claim does not reduce it.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Maximum Sum Insured Cap (INR)₹2 Cr
Covered EventsAccidental Death, Permanent Total Disablement
Cover amount2xx the base plan Sum Insured
Watch out
The accident cover applies world wide, which is the only part of this policy that follows you outside India. Death has to follow within 12 calendar months of the accident, and a disablement has to occur within 12 months and be claimed within 60 days of it happening.
Niva BupaStandardReAssure 3.0 · ClassicOptional - ₹50 Lakh
Standard
Personal Accident is an optional add-on, not part of the base plan. It pays a lump sum if you die or are permanently disabled in an accident, provided the death or disability happens within 365 days of that accident. You choose the cover as 1x to 5x your base sum insured; on the Unlimited variant you pick an amount up to INR 1 crore instead.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Maximum Sum Insured Cap (INR)₹50 Lakh
Covered EventsAccidental Death, Permanent Total Disablement, Permanent Partial Disablement
Cover amount5xx the base plan Sum Insured
Watch out
The cover ends the moment it pays in full: the benefit terminates after an accidental death or a permanent total disability payment. Three tiers are sold. Lite pays only on accidental death, the standard tier adds permanent total and permanent partial disability, and Pro adds out-patient treatment after an accident.
ICICI LombardStandardElevateOptional - ₹50 Lakh
Standard
An optional lump-sum cover for accidents. It pays 100% of your Sum Insured for accidental death and for total paralysis, a set percentage of it for other permanent total disabilities, and a smaller percentage for partial losses such as fingers or hearing. The payout can never exceed your Sum Insured, and never exceeds ₹50 Lakhs.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Maximum Sum Insured Cap (INR)₹50 Lakh
Covered EventsAccidental Death, Permanent Total Disablement, Permanent Partial Disablement
Cover amount1xx the base plan Sum Insured
The catch
If the death or the permanent disability happens more than 12 calendar months after the accident, nothing is paid under this cover.
Aditya BirlaStandardActiv One · VYTLOptional - ₹50 Lakh
Standard
Personal Accident is an optional cover bought on top of the health plan, with its own fixed sum insured of ₹10, 15, 20, 25 or 50 lakh. It pays a lump sum for accidental death or permanent total disability, and a set percentage of that amount for a permanent partial disability. On a floater each person holds their own amount.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Maximum Sum Insured Cap (INR)₹50 Lakh
Covered EventsAccidental Death, Permanent Total Disablement, Permanent Partial Disablement
Cover amountFixed amount
Watch out
A permanent partial disability pays only a listed share of the sum insured: 50% for the loss of one entire hand, 2% for one phalanx of the great toe. A serious injury can therefore pay far less than the amount you bought.
Star HealthNot coveredFamily Health OptimaNot in this plan, and not sold as an add-on
Not covered
This plan pays no lump sum for accidental death or permanent disability.
Coverage detailstap any row to understand it
How it's coveredNot covered
Care HealthNot coveredCare AdvantageNot in this plan, and not sold as an add-on
Not covered
Care Advantage has no personal accident cover. No benefit or optional cover pays anything for accidental death, permanent total disablement or permanent partial disablement. Accident cover here means treatment cost only: Optional Cover 10 adds up to 100% more Sum Insured when an accident puts you in hospital.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
Optional Cover 10 reads like accident cover but works differently - it is an extra Sum Insured for hospital bills, usable only after your Sum Insured is fully used and only once in the policy period.
Care HealthNot coveredCare SupremeNot in this plan, and not sold as an add-on
Not covered
Care Supreme has no personal accident cover. There is no lump sum for accidental death and none for permanent disablement, in the base plan or as an optional benefit. Hospital treatment after an accident is paid as an ordinary hospitalisation claim, but nothing is paid to replace lost income.
Coverage detailstap any row to understand it
How it's coveredNot covered
Star HealthNot coveredStar Health AssureNot in this plan, and not sold as an add-on
Not covered
This policy does not offer personal accident cover. There is no lump sum for accidental death or permanent disablement anywhere in the wording, the Schedule of Benefits, or the prospectus benefit grid.
Coverage detailstap any row to understand it
How it's coveredNot covered
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