Buy Individual Accident Insurance Policy Online

IFFCO Tokio, being one of the leading accidental insurance companies in the country, offers this comprehensive personal accident insurance cover that protects you against all accidental occurrences that might lead to bodily injury or death of the person insured. In case an accident leads to untimely death of the insured individual, this policy will provide the insured’s family with complete financial security, and will cover all eventualities. Alternatively, in a case where the insured survives an accident but is majorly injured or crippled for the rest or a significant part of his life, this policy will ensure that the individual receives a fixed sum depending on the type of disablement encountered.

The complete benefit plan under the Policy is given below:

Note: Other benefits To ensure extra protection and complete financial relief in hard times, the Personal Accident Insurance Policy also provides the following benefits:

• In case the accident results in loss of fingers/ toes or any part that causes permanent partial disablement, the additional benefit would range from 5% to 40% reliant on the degree of disability. For those who suffer temporary total disability, the policy will pay an insured sum of 1% per week, subject to a maximum weekly limit of Rs.6,000/-.
• Employment Benefit: This accidental insurance policy will also compensate up to specified limits against the loss of employment of the Insured individual. This benefit will be offered in case of an accident resulting in loss of eyesight, limbs or permanent total disablement.
• Education Benefit: In case the insured suffers loss of limbs, eyes, permanent total disablement or death, the dependent children’s education cost will be covered under the Policy for up to a pre-specified limit.
• Ambulance Benefit: For accidents that may require an ambulance service for the insured, the policy will pay for the ambulance travel used to reach a hospital up to a specified policy limit.
• Cumulative Benefit: The insured amount under the policy is automatically increased every time the policy is renewed. The increased sum is up to a pre-specified policy limit, and does not require the policy holder to pay any extra premium.

Besides the above mentioned benefits, Personal Accident Insurance Policy also offers compensation for clothing damaged in an accident and the expenses incurred for carriage of dead body, among many others. These extensive benefits that the policy carries make it one of the most preferred and best accidental insurances.

Some of the most critical exclusions under the Policy are:

• Intentional self injury, suicide or attempted suicide, Venereal Disease or Insanity
• The insured being under the influence of intoxicating liquor or drugs
• Death or disablement resulting from pregnancy or child birth. (in case of female insured)
• The Insured committing any breach of law with criminal intent
• Contracting any illness directly or indirectly arising from or attributable to HIV or any HIV related illness including AIDS and/or any mutant derivative or variation of HIV or AIDS. 
• On duty with any armed forces.

(Who can apply for Personal Accident Insurance?)

IFFCO-Tokio General Insurance's Personal Accident Insurance Policy is among the best online personal accident policy that is easy to avail and renew. Anyone can apply for this personal accidental insurance policy, except for:

• Those involved in any activity that is hazardous in nature like aviation, ballooning etc.
• Those who are a member of the armed forces
• Those who fall outside the specified age bracket of 5 to 70 years.

• Proposer
• Spouse
• Dependent children