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Personal Accident Insurance

This benefit can also help you out in cases of permanent disability caused due to an accident. Max Bupa's personal accident insurance cover provides coverage in​ ..


AccidentCare - Personal Accident Insurance Policy
Take the financial pain of an accident away from your family

Accidental Death :Get up to 100% of sum insured
Cover available : Up to 2 crore
Assured Renewal : Get policy renewal for life
Worldwide Coverage : Protection anytime, anywhere

Family Combination Applicable : Up to 2 Adults & 2 Children
Cover starts from : Rs 5 lakhs - 2 crore
Premium starts from : Rs 6,444 /YrAccidental Death (O)

Accidental Death
Secure your family's finances as they get 100% of the sum insured

Permanent Total Disability
Get 125% of the sum insured in the case of permanent disability

Permanent Partial Disability
Get 100% of the sum insured if you face a permanent partial disability

Child Education Benefit
Your child gets up to Rs 5 lakh in case of your death or permanent disability

Temporary Total Disability (O)
Get 1% of sum insured per week for up to 100 weeks

Comprehensive Features

Free Look Period
Get the Accident Care policy and have the option to cancel if you are not satisfied

Direct Claim Settlement
There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly

Tenure Discount
Take a policy for two or three years and get a discount on your premium

Funeral Expenses
Funeral expenses of the insured are covered up to ÃÆ'¢â€šÂ¹ 5,000 (SI under 25 lakhs) and Rs 50,000 (SI over 25 lakhs)

Assured Renewal
Guaranteed policy renewals for life

Customization Available
Get individual coverage or family coverage

Worldwide Coverage
Get coverage anywhere in the world in our network hospitals

Individual and Family Coverage
Pick either an individual plan or a family plan where your spouse and up to 2 children make the claim

Standout Features

Accidental Death
In the case of the demise of an insured leading from an accident, the insurance pays 100% of the sum insured

Permanent Total Disability
In the case of permanent total disability due to an accident, the insurance pays 125% of the sum insured

Child Education Benefit
In case of your demise or permanent total disability, get 5% of the SI or 50,000 (for SI under 25 lakhs) or 500,000 (for SI over 25 lakhs) for each child's education

Permanent Partial Disability
In the case of a permanent partial disability from an accident, get up to 100% of the sum insured

Add-on Features
Optional Benefits

Temporary Total Disability (TTD)
TTD Sum Insured 10 lacs & 20 lacs only
TTD benefit 1% of TTD Sum Insured payable per week
Such weekly payout shall be made for a maximum of 100 weeks
TTD Sum Insured Multiple
TTD Sum Insured not to exceed lower of (2 times of Annual Income or Accident Care Sum Insured)
Accident Hospitalization Limit (confined to India only)
Up to 2% of Accident Care Sum Insured
Surgical Operations
Covered up to the Accident hospitalization limit.
Claim settlement on reimbursement basis only and coverage limited to India only.
Nursing Care, Drugs, and Surgical Dressing
Medical Practitioner's / Surgeon's Fee
Room Rent
Operation Theatre Charges
Anesthetics Fee (including administration)
X-ray exams, or treatment including CT Scan
Diagnostic Procedures and Therapies
Prosthetic Implants
Emergency Ambulance (as part of overall Sum Insured)
Limited to Rs 2000/claim
Physiotherapy (as part of overall Sum Insured)
Limited to 10% of Accidental hospitalization limit

Permanent Exclusions
Suicide or self-inflicted injury, whether the Insured Person is medically sane or insane.
War (whether declared or not), invasion, act of foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion.
Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.
Any change of profession after inception of the Policy which results in the enhancement of our risk, if not accepted and endorsed by Us on the Schedule of Insurance Certificate.
Committing an assault, a criminal offence or any breach of law with criminal intent.
Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medical Practitioner other than the Policyholder or an Insured Person.
Death or disablement caused by ionizing radiation or contamination by radioactivity from any nuclear fuel.
Participation in aviation/marine including crew other than as a fare-paying passenger in an aircraft/water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports.
Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc.
Any disability arising out of pre-existing diseases if not accepted and endorsed by Us.
Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However this exclusion is not applicable to claims made under the PPD benefit
Any costs or expenses specified in the List of Expenses generally excluded at Annexure II of Policy document. This is applicable only for Accident Hospitalization benefit

What is personal accident insurance cover?
Health insurance plans have the potential to cover a lot of eventualities, but a personal accident cover will definitely double your assurance by taking care of your loved ones in case of a death or disability due to an accident.
This benefit can also help you out in cases of permanent disability caused due to an accident. Max Bupa's personal accident insurance cover provides coverage in case of permanent total and permanent partial disability, and even has an option for paying for child's education after the primary insured person's demise. It is also a financial product which offers value for money as premiums high value sum insured are comparatively lower.

Why do you need a personal accident insurance cover?
As per WHO's Global Status Report on road safety in 2018, there were an estimated 299,901 deaths related to road accidents in India in 2016. This is higher than the accidental deaths in the entire continent of Africa, which had an estimated number of 246,719 deaths total in the same year. We can see how this is a big problem. Whether you commute on a motorcycle or a car, we all should consider adding a personal accident cover to our existing health insurance plan. The personal accident cover is available with certain specially curated plans. Hence, you must consult an expert before selecting a policy.

What you really purchase with a personal accident insurance cover is peace of mind for yourself and your loved ones by securing their future in case of any mishaps.

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