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Personal Accident Insurance

What is Personal Accident Insurance?

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Know why to choose for a personal accident insurance?

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Additional Benefits of having a Personal Accident Insurance?

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Policy's Coverage

What is covered

  • Natural Disasters
    • Floods, eartquakes, cyclones etc.
  • Man made disaster
    • Fire, riot, terrorisom, strike and accidents etc.
  • Third party liability
    • Compensates for injuiry or damage to a person or property caused by you to another person in a car accident
  • Personal Accident cover for owner-driver
    • coverage of RS. 2 Lakhs for the owner-driver of the car and optional personal accident covers for passengers

What is not covered

  • Drink and drive
    • Damages caused to the car if you or anyone else was caught driving under the influence of alcohol at the time of accident. 
  • Staged accidents
    • Deliberate accidental loss is not covered. If it is proven that the accident was entirely staged, the claim would be rejected.
  • Illegal Activity
    • Driving on the wrong side of the road or without a valid license, or if the car’s driven by an underage person.
  • Commercial Activity
    • Driving your private vehicle for commercial purpose and vice versa
  • Other reasons
    • An expired policy, consequential damages, electrical and mechanical failure, regular wear and tear, and driving outside geographical limits are other reasons for claim rejection.

Love at First ICICI Lombard General Insurance (Bharti AXA General Insurance*) Personal Accident Insurance

When life throws you off guard, you do need someone to pull you up.  Our personal accident insurance plan is the perfect companion to financially hold you in such times.

1.3

1.3 Million Policies issued

Yes, that’s right. We have delivered that many policies at the snap of a finger. Our instant and simple policy issuance process makes buying insurance online, a breeze.

PAN

PAN India Cashless Network Hospital

Hospitalization can get financially stressful with hefty bills to pay. Moreover, it’s also emotionally taxing. We agree. Just seek admission in any of our cashless network hospitals that is nearest to you. We’ll directly settle the bills with the hospital. Life’s simpler, isn’t it?

98.27%

98.27% Claim-Settlement Ratio

We understand that you’re already stressed when the need for filing a claim arises. But you can still stay calm as we’ve made our claim process a cake-walk. Our team of dedicated claim handlers work round-the-clock to ensure your claim is successfully settled.

101

101 Branches across India

When we make you a promise to have you covered, we work to live up to it. That’s why we have spread our presence all across the nation so that you can easily find your nearest branch. We just want to be there for you at all times.

Make the most of Personal Accident Insurance

Here’s why having personal accident insurance is advantageous all the way.

Accidental Medical Expenses

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Flexible range of sum insured

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Free-look period and grace period

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Guaranteed life-long renewals

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Who Should Buy Personal Accident Insurance? 

Here’s why having personal accident insurance is advantageous all the way.

Occupation Group

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Occupation Group II

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Occupation Group III

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Occupation Group IV

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Frequently asked questions

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Why Choose Personal Accident Insurance

ICICI Lombard General Insurance (Bharti AXA General Insurance*) Smart Personal Accident Insurance Plan 

You can choose sum insurance ranging from Rs. 10 lakh, Rs. 20 lakh and Rs. 30 lakh. Depending on th sum insured you choose, the compensation takes care of accidental death, permanent total disability, permanent partial disability, double indemnity benefit and hospital cash.  

All

What does Personal Accident policy cover me against?

Personal Accident policy covers you against physical loss, disablement or death arising out of an accidental bodily injury or major accident. It pays compensation for any accidental death or disablement occurring in any part of the world.

What are the benefits of having Personal Accident insurance policy?

The benefits include Accidental death, Permanent Total Disablement, Permanent Partial Disablement, Double Indemnity for Accidental Death or Permanent Total Disability while travelling as a passenger in a public conveyance and Hospital Daily Cash. Hospital cash and Double indemnity is covered only on Rs. 30 lacs sum insured plans.

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