List of Useful Add-on Covers to Opt for with Personal Accident Insurance

Personal accident insurance offers coverage for accidental bodily injuries of the insured leading to death or permanent disability. However, you can expand the policy coverage using add-on covers. Check out the most useful add-on covers that you can consider buying for your personal accident insurance policy.

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      If you have personal accident insurance and want to buy some add-on covers to enhance your coverage benefits then you can check out the list in this page below. But before that let’s take a look at some important stats related to personal accident insurance in India.

      In the financial year 2020, personal accident insurances covered more than 1.5 billion lives in India. Private insurance companies covered more than double of what it was in the previous year.

      Number of lives covered under personal accident insurance from FY 2014-2020, sector-wise

      Why do People buy Personal Accident Health Insurance in India?

      Life is full of uncertainties and risks. And in India where most of the families have a single earning member, the need for health insurance is all the more. Imagine, if the primary earning member of the house gets partial disabilities or permanent disabilities due to an accident, then it can be emotionally and financially devastating for the entire family. To ensure financial protection during such times, a personal accident policy becomes a must.

      Here are some of the benefits that it offers:

      • Accident Cover: Personal accident insurance covers the insured for disabilities both temporary & permanent, including Accidental death
      • Compensation for Permanent Total Disablement: Compensation for permanent total disability is 150% of the sum insured
      • Dismemberment: Even on losing a limb or dismemberment, the policyholder will get financial compensation
      • Medical Expense Cover: Personal accident insurance plans also bear the medical expenses incurred on the treatment of accidental injuries

      Also, if you have a critical illness policy then you can check with your insurer if you can get a Personal accident cover as an add-on or you can just buy a standalone PA cover.

      List of Additional Benefits that you can avail

      In addition to the above-mentioned four personal accident insurance benefits, you can opt for the ones given below. Some plans would have these benefits in-built while some will give an option to buy them as an add-on:

      • Educational Grant: By paying an additional premium you can get education cover for your children in the unfortunate event of your Death/Permanent Total Disability after an accident.
      • Residence/Vehicle Modification: If the policyholders want they can get coverage for expenses towards the modification of the insured person’s vehicle or residential accommodation.
      • Travel Expenses for One Relative (in Death cases): In this add-on, the insurer pays the actual transportation expenses to one relative of the policyholder.
      • Purchase of Blood: The policy includes expenses incurred on purchasing blood through a Government approved blood bank or hospital.
      • Enhanced weekly compensation: Enhanced weekly compensation can also be availed.
      • Extension of Medical Expenses: You can get an extension for medical expenses up to a specified limit like Rs 5 lakh or something depending on your policy.
      • Transportation of Imported Medicines: Expenses incurred on freight charges for importing medicines can also get included if you pay extra for the coverage.
      • Hospital Cash Benefit: In cases of accidental hospitalization cash benefits for each day can also be availed up to a specified limit. The benefit of coverage is limited to a specific number of days.
      • Home convalescence benefit: In some cases, doctors recommend one attendant at residence immediately after getting discharged from the hospital, so those expenses can also be covered in the insurance policy.
      • Ambulance Expense Cover: You can also opt for this add-on if you want the insurance company to pay for hospital expenses to the hospital.
      • Transportation/Repatriation of Mortal Remains: If the insured dies due to an accident, the nominee would receive the expenses incurred on repatriation of the mortal remains to the home/hospital/cremation ground. The insurer also compensates for the expenses incurred on the cremation ceremonies.
      • Loan Protection cover: On suffering from any lifelong disability or an unexpected demise of the policyholder, the insurance company pays off a lump sum amount as per the policy wordings. 

      Bottom-line

      So, this was all about Personal accident cover and its add-on benefits. You can choose to buy any of these add-ons as per your needs. You can buy it online from Policy Bazaar and seek guidance to choose the best insurance policy from top insurance companies. Our experts will provide you fair opinion to help you find what you are looking for.

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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

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      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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