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PA (Personal Accident) Insurance – Financial Safety Net in Times of Crisis Personal Accident (PA) Insurance is a type of general insurance policy that provides financial compensation in the event of accidental injuries, disability, or death. Accidents can happen anytime, and their impact can be physically, emotionally, and financially devastating. A PA policy ensures that the insured and their family receive necessary financial support during such unexpected events. This policy covers a wide range of accident-related incidents, such as road accidents, slips and falls, industrial injuries, or natural calamities resulting in permanent or partial disability or even death. It is especially important for individuals who are the sole earning member of the family or work in risk-prone environments.
✅ Accidental Death Cover – 100% compensation to nominee in case of the policyholder’s accidental death
✅ Permanent Total Disability Cover – Payout if the insured becomes permanently disabled (e.g., loss of limbs, eyesight)
✅ Permanent Partial Disability Cover – Compensation for partial disabilities (e.g., loss of one hand or leg)
✅ Temporary Total Disability Benefit – Weekly compensation for loss of income during recovery
✅ Medical Expense Coverage – Some policies include coverage for hospital bills due to the accident
✅ Worldwide Coverage – Provides protection anywhere in the world
✅ Affordable Premiums – High coverage at low cost
No one plans accidents—but PA insurance helps you plan for the aftermath
Helps maintain financial stability for your family in your absence
Ideal for salaried individuals, daily wage workers, self-employed people, and business owners
Can be purchased individually or as a group policy for employees
Anyone who travels frequently or rides/drives vehicles regularly
Individuals working in high-risk jobs like construction, factory, or fieldwork
Sole breadwinners of the family
People looking for affordable life-risk coverage in addition to life or health insurance
Get protected in just a few simple steps.
Tell us about your requirements
We suggest the most suitable coverage
Complete the process online with guidance
Focus on your goals, we handle the risks
Get quick answers to common questions.
It covers standard expenses, protection against unforeseen losses, and financial liabilities associated with pa (personal accident policy) .
Any individual or business looking to mitigate risks, secure their assets, or ensure financial continuity against unexpected events.
Depending on local regulations and contracts, some forms might be mandatory (e.g. third-party motor coverage), while others are highly recommended for comprehensive protection.
Yes, you can add various add-ons, riders, and custom limits to customize the coverage according to your specific requirements.
Claims can be settled easily by submitting the required documentation and proof of loss through our streamlined digital claim settlement process.
It depends on your specific assets, liabilities, risk exposure, and financial goals. Our advisors can help you calculate the optimum sum assured.