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Top Personal Accident Insurance Plans in India

Personal accident insurance plans provide coverage against accidental death, disabilities, and hospitalisation expenses that one might incur due to an accident. This page lists some of the top personal accident insurance policies available in India.
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Insurance remains a much debated topic for Indians, especially because of the fact that considering savings, insurance basically doesn’t pay. But when one considers the picture of exigencies where a proper insurance plan can prevent your savings from being damaged, insurance becomes very crucial. An accident insurance plan is basically something that provides for accidental death benefit, disabilities (total or partial) and the expenses that come across in term of hospitalisation, transportation of patient and family and repair of vehicle or residence. Other miscellaneous expenses might also be covered under such plans.

While going for an accident insurance plan, there are some key factors to account for when considering the benefits that are provided. These things can be mentioned as the following and they also form the base criteria through which different plans from different insurers are compared.

  1. Plan Basis – Plans can be either in individual or family floater option. While an individual plan works best for bachelors and spinsters, a family floater option will be ideal and economical when one has at least 4 or more members in the family and he/she is the primary earner.

  2. Best Personal Accident Insurance Plans in India
  3. Age Limits – Entry ages are key to having a good insurance plan because contingencies relating to life and health can come at any time. Most plans do not have a cover ceasing age though there might be maximum entry ages. The more extensive the range of entry ages, the better a plan is.

  4. Sum Assured – Most accident insurance plans come with a cap of sum assured of up to INR 1 crore or more and have a minimum sum assured too, ranging from INR 2 lakhs and more. Based on the profession one is in, a higher sum assured is always preferable.

  5. Accidental Death Benefit – This is the value of the Sum assured and additional bonuses. The more the bonuses, the better the plan.

  6. Disability Factors – Plans can cover permanent or temporary disability that is total or partial. Having the maximum number of options available always helps.

  7. Medical Expenses and Ambulance Charges – In cases of accidents, immediate healthcare is always required and that too, at the nearest possible location. Ambulance charges might be required when push comes to shove. Covering both of these aspects is a sign of a good insurance plan.

  8. Bonuses – Some plans might offer bonuses for dependent kids in the case of an accident. That is especially helpful if the treatment period is stretched long or the policyholder passes away.

Now that we know what factors to look for in an accident insurance plan, let’s take a look at the best plans available in India towards the same purpose –

Best Accident Insurance Plans from Health Insurance Companies:

These plans are offered from private & public health insurers and highly competitive features & cover is offered for the same –

Insurer and Insurance Plan

Plan Basis

Entry Ages

Sum Assured Amounts (INR)

Accidental Death Benefit

Permanent Total Disability

Permanent Partial Disability

Temporary Partial/Total Disability

Medical Expenses Reimbursement

Ambulance Charges Cover

Bonuses

Apollo Munich Individual Personal Accident Standard

Individual and Family

Minimum - 91 days

Maximum – 69 years

Standard –

Minimum – 1 lakh

Maximum – 50 lakhs

Premium –

Minimum – 5 lakhs

Maximum – 5 crores

Yes, equal to Sum Assured + bonus (if any)

Yes, equal to Accidental Death Benefit

Yes, equal to Accidental Death Benefit

Temporary total disability – 10% of ADB

Standard - Yes – 5% of ADB

Premium - Yes, subject to INR 100000

Ye, subject to INR 2000

Education fund – 10% of ADB

Bharti AXA Smart Individual Personal Accident

Individual only

Minimum – 18 years

Maximum – 70 years

Minimum – 10 lakhsMaximum – 30 lakhs

Yes, equal to Sum Assured

Yes, subject to 150% of Accidental Death Benefit

Yes, equal to 2-75% of Sum Assured

No

Yes. Daily Hospitalisation Cash of INR 1000 till a period of 50 days

No

No

Religare Secure Personal Accident Insurance

Individual

Minimum - 91 days

Maximum – 70 years

Minimum – 15 lakhs

Maximum – 25 crores

Yes, equal to Sum Assured

Yes, equal to Accidental Death Benefit

Yes

Yes, under Mobility Cover

Yes, subject to INR 100000

Yes (under variants)

Yes (under variants) subject to 10% of Sum Assured

Bajaj Allianz Premium Personal Guard Plan

Individual and Family

Minimum – 5 years

Maximum – 65 years

Minimum – 10 lakhs

Maximum – 25 lakhs

Yes, equal to Sum Assured

Yes (under variants), subject to Sum Assured

Yes (under variants), subject to 75% of Sum Assured

Yes (under variants), subject to 75% of Sum Assured

Yes, lesser of 40% of medical bills or actual bills

No

Yes, INR 5000 for one child or INR 10000 for 2, subject to 10% of SA

ICICI Lombard Personal Protect

Individual

Minimum – 18 years

Maximum – 80 years

Minimum – 3 lakhs

Maximum – 25 lakhs

Yes, equal to Sum Assured

Yes, equal to Accidental Death Benefit

No

No

Yes (under allowance and reimbursement)

No

No

HDFC ERGO Personal Accident Insurance

Individual and Family

Minimum – NA

Maximum – 65 years

Minimum – 2.5 lakhs

Maximum – 15 lakhs

Yes, equal to Sum Assured

Yes, equal to Accidental Death Benefit

No

No

Yes, INR 250 to INR 500 per day

Yes, INR 1500 to INR 2000

No

Star Health Accident Care Individual Insurance

Individual and Family

Minimum – 5 months

Maximum – 70 years

Minimum – 5 lakhs

Maximum – 15 lakhs

Yes, equal to Sum Assured

Yes, equal to 150% of SA + bonus (if any)

Yes

Yes

Yes, till 25% of valid claim or 10% of SA subject to INR 500000

Yes, till INR 5000

Education fund, till INR 10000 per child for 2 children

United India Personal Accident Insurance

Individual and Family

Minimum – 5 years

Maximum – 70 years

Minimum – 25000

Maximum – 10 lakhs

Yes, equal to Sum Assured

Yes, equal to Accidental Death Benefit

Yes, up to 95% of SA

No

Yes

No

Yes, 10% of SA subject to INR 5000 or INR 10000

Oriental Janata Personal Accident Policy

Individual and Family

Minimum – 10 years

Maximum – 80 years

Minimum – 25000

Maximum – 5 lakhs

Yes, equal to Sum Assured

Yes, equal to Accidental Death Benefit

Yes, maximum of 50% of Accidental Death Benefit

No

No

No

No

Reliance Personal Accident Policy

Individual and Family

Minimum – 5 years

Maximum – 70 years

Minimum – 5 lakhs

Maximum – 10 lakhs

Yes, equal to Sum Assured

Yes, equal to Accidental Death Benefit

Yes, maximum of 50% of Accidental Death Benefit

Temporary total disability subject to 1% of the SA and not more than INR 5000 per week for 50 weeks

Yes, lesser of 40% of medical bills paid or 20% of relevant sum assured

No

No

National Insurance Individual Personal Accident Policy

Individual and Family

Minimum – 5 years

Maximum – 70 years

NA

Yes, equal to Sum Assured

Yes, equal to Accidental Death Benefit

Yes

No

Yes

No

No

New India Personal Accident Policy

Individual and Family

Minimum – 5 years

Maximum – 70 years

Maximum – 72 months of income from gainful employment

Yes, equal to Sum Assured

Yes, equal to Accidental Death Benefit

Yes, maximum of 50% of Accidental Death Benefit

Temporary total disability, payment of 1% of SA per week for a maximum of 100 weeks

No

No

No

Top Accident Insurance Plans from the Government of India:

The Government of India offers two active plans that can be availed by any citizen of India. These plans are low cost insurance options that are aimed to cultivate the habit of availing insurance options among the common people of the nation. The plan details are mentioned in the following table –

Insurer and Insurance Plan

Plan Basis

Entry Ages

Sum Assured Amounts (INR)

Accidental Death Benefit

Permanent Total Disability

Permanent Partial Disability

Temporary Partial/Total Disability

Medical Expenses Reimbursement

Ambulance Charges Cover

Bonuses

Pradhan Mantri Suraksha Bima Yojana

Individual and Family

Minimum – 18 years

Maximum – 70 years

Minimum and Maximum – 2 lakhs

Yes, equal to Sum Assured

Yes, equal to Accidental Death Benefit

Yes, equal to INR 1 lakh

No

No

No

No

Aam Aadmi Bima Yojana

Individual and Family

Minimum – 18 years

Maximum – 59 years

Minimum and Maximum – 30000

Yes, an amount of INR 75000

Yes, an amount of INR 75000

Yes, an amount of INR 37500

No

No

No

Yes, scholarship fee of INR 100 for 2 children per month on a half-yearly basis

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

Top Personal Accident Insurance Plans in India 2016 Reviews

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  • United India Health Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    I got group insurance from company, on time I got policy. My father was not good at the time I have used the policy. I got the reimbursement around Rs. 23,000 the total value is Rs. 33,000. I went to shobha hospital they don't have tie up with United India, hence I got the reimbursement.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 18, 2019
  • Max Bupa Health Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    I have medical cover with Max bupa, they gave me the coverage value of Rs. 5 lakhs its covers for entire family. One time I claimed for my mother for the eye surgery, I got the reimbursed within 30 days with 90% of amount, the total experience was good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 18, 2019
  • New India Health Insurance
    "Yet to experience the policy"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health insurance policy from new India. As per company norms, they have given me a coverage value of Rs. 5 lakhs. My entire family has been covered in this policy. They are offering a cashless treatment facility.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 18, 2019
  • United India Health Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy in the year of 2018 and the the premium has been deducting from my salary. The premium amount has not been too high and there has been many hospitals collaborated within my locality. There has also been some cashless treatment available with this policy as well.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 17, 2019
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have my health insurance with Star health insurance, i had claim experience with it, my experience was good, they have good tie up with my hospital and they have mailed me about the location of it, and i am happy with there service, they have charged me premium amount on yearly basis, and the premium amount is nominal for me, and i use to pay through on line mode.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 17, 2019
  • Max Bupa Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with Max BUPA , i have not opt there policy yet and i use to pay premium on monthly bases , and it use to get auto debit from my account and while i applied for health insurance customer service had explained me about all procedure , so far the process went smoothly and it good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 17, 2019
  • Max Bupa Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I got the health insurance with Max bupa health insurance, there service is good, they have charged me premium nominal ,and the premium is on yearly basis, and they have tie up with many hospital , and had shared the details via mail, and i pay premium amount through on line mode.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 17, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I got the health insurance with HDFC Ergo, they got tie up with many hospitals, and they have shared me location on those hospital in mail, and they have charged me nominal premium amount ,they have charged me up to 17000-18000 as premium, it is on yearly basis, and i use to pay the premium on an on line basis.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • SBI General Health Insurance
    "Bad experience"
    0.5 1.0/5 "Really Bad"
    I got the health insurance with SBI, they got tie up with many hospitals. I Felt the medical cover its less and i am not happy with there support team ,like if i want to call the customer care there number would not be reachable and they use to mail me PDF after paying premium amount,it would not get open, they have charged me premium amount on yearly basis,i have bad experience with this bank.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 16, 2019
  • HDFC Ergo Health Insurance
    "Very good benefits"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from HDFC ERGO which was purchased by me in the year of 2018 because the benefits are very good. The claim process was simple and they have more number of hospitals for cashless. I have paid 18,800 for one year and took 3 years policy for myself and my wife. The medical coverage is 10L for myself and 5L for wife.
    Was this review helpful? 2
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Health Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    I have taken health insurance from HDFC Ergo which was offered along my personal loan. I have received the insurance paper and its been couple of months. It covers critical illness and need to go through the policy benefits. Always the customer is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • Tata AIG Health Insurance
    "Great company"
    0.5 5.0/5 "Blown Away!"
    I have taken health insurance from tata aig. I did take health insurance from tata aig for my parents and The Process was so simple. Customer representative is good. The customer service and response was on time, never had any issues. Now I feel safe for my family Thank you tata aig.
    Was this review helpful? 0
    , solapur
    Reviewed on Jan 12, 2019
  • ICICI Lombard Health Insurance
    "Good Health insurance provider"
    0.5 3.5/5 "Pretty good"
    This policy was part of my employment, I took the medical coverage of Rs. 5 lakhs for the tenure of one year, this medical benefits for my entire. They have good networks of hospital with major disease cover. But I think it doesn't have no claim bonus.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 11, 2019
  • Reliance General Health Insurance
    "On time approval with reliance"
    0.5 4.0/5 "Great!"
    For my spouse operation I used the health policy, I approached them for the claim through hospital. I submitted the form and they send the papers to the Reliance insurance company. I got the cash less treatment, but I paid some amount which was not covered. But they gave me the on time approval.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 11, 2019
  • Cigna TTK Health Insurance
    "On time service"
    0.5 5.0/5 "Blown Away!"
    On time Cigna TTK have activated the policy which provided by the company, the policy which I hold it has the coverage of Rs. 4 lakhs its covers for me. They are providing coverage for the pre existing with the tax benefits but there is no claim.
    Was this review helpful? 1
    , dandeli
    Reviewed on Jan 10, 2019
  • Cigna TTK Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In Cigna TTK, they are providing pre existing disease cover, but they don't have no claim bonus features. The response is good they have good customer care working 24/7 , the medical coverage is good for me and entire family. They have many hospital which they got tie up in Mumbai.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • Apollo Munich Health Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a while back and i had been paying the premium amount on an annual basis. The premium method has been convenient and the premium amount has not been high. There has been many hospitals covered in my locality and their customer support has also been helpful.
    Was this review helpful? 2
    , pune
    Reviewed on Jan 09, 2019
  • ICICI Lombard Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    My organization has provided me a health insurance with ICICI Lombard. I have not claimed anything from this policy. My entire family has been covered in this policy. They have given me a coverage value of Rs. 3 lakhs. This is a cashless policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • Star Health Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    My company has offered a health insurance from Star Health with the coverage of 1L, its for the family, Still I have not used the policy and am gone utilize the policy within 15 days for my family.They covers a major disease. I have called the customer service and the response is good. I am planning to go for reimbursement, they do have minor network of hospitals for cashless. I can recommend after completing my claim.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 09, 2019
  • National Insurance Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health policy from National insurance with the coverage of 2L. It is for the family members and no claim. I never contacted the customer service. Every year it was renewed by the company. They have limited networks of hospitals for cashless. It does not cover only eye problems, if we got admitted in hospital for 24hrs then applicable for claim.
    Was this review helpful? 0
    , pondicherry
    Reviewed on Jan 09, 2019
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