Personal Accident Insurance Policy
Personal Accident Insurance plans starting @₹1/day *
Personal Accident Insurance plans starting @₹1/day *
Personal accident insurance safeguards you against the financial pain of an accident. Personal Accident insurance is a fixed benefit plan that provides financial protection to policyholders in case of death, permanent or temporary disability caused due to an accident. In case of any of these unfortunate events, the plan will provide a lump sum payout, as specified under the policy terms and conditions.
Get affordable & comprehensive coverage against life’s uncertain moments with Personal accident insurance from IFFCO Tokio. Our plans cover ambulance charges, hospital expenses, the loss of an income, and even your child’s education cost. All-in-all, with a personal accident insurance from IFFCO Tokio, you can be sure of a safer future for yourself and your family.
Let’s explore what’s great about a Personal Accident Insurance by IFFCO Tokio -
Our personal accident insurance policy offers a wide range of coverages, which are-
Personal accident insurance policy will not provide coverage for the following-
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Health insurance, life insurance – these are all vital components of your insurance portfolio. However, if you want complete protection from unforeseen events, then you should consider getting a personal accident insurance policy as well. These plans fill an important gap in your coverage needs. They ensure you are covered for the big tumbles in life, as well as the minor hiccups too. Let’s look at some reasons why you should get yourself a personal accident insurance policy.
| Coverage for | Life Insurance | Personal Accident Insurance |
|---|---|---|
| Accidental Death |  |
|
| Death from illness or disease | |
 |
| Death from drug overdose | |
|
| Permanent Total Disablement | |
|
| Permanent Partial Disablement | |
|
| Temporarily Total Disablement | |
|
| Loss of Income | |
|
| Road Ambulance Charges | |
|
| Child Education Fund | |
|
| Policy Period | Generally Long Term (10, 20 or more years) | 1 Year |
| Renewal | Not Applicable | Annual |
Health Insurance provide financial protection against cost of medical treatment due to any disease, sickness or accident while personal accident insurance covers injuries specifically due to an accident. Few other major difference between Health Insurance and Personal Accident Insurance are listed under
| Coverage for | Health Insurance | Personal Accident Insurance |
|---|---|---|
| Type of Policy | Indemnity | Benefit |
| Accidental injuries covered | |
|
| Accidental Death | |
|
| Disablement Coverage | |
|
| Loss of Income | |
|
| Child Education Fund | |
|
| Medical Treatment of Diseases | |
|
| Day Care Treatment | |
|
| COVID-19 Treatment | |
|
| Critical illness extension | |
|
| Pre & Post Hospitalization Expenses | |
|
| Health Checkup | |
|
| Wellness Program | |
|
| Organ Donor Coverage | |
|
| AYUSH Treatment | |
|
| World-Wide Cover | |
|
| Waiting Period | Upto 4 Years | No Waiting period |
As much as we try and avoid them, accidents can still happen. We cannot predict when or where they might happen, but we can definitely be prepared for such. How? Simple – just get an accidental insurance policy. This policy helps prevent emergency out-of-pocket expenses and ensure that you & your loved ones have a safer future. Here are some major benefits of a personal accident insurance policy.
Well, that’s easy! You can visit to one of our branches and one of customer support executives will help you through the entire purchase process. They will ensure you leave the branch with the cover you need and a smile on your face. You could also get in contact without one of our authorized agents and have the same experience. Put together, we have over 20,000 branches and agents present all over India. This should ensure that finding one of our touch-points and buying a plan is quite convenient.
However, we also understand that you might be squeezed for time and unable to visit one of our branches or agents. Not to worry! You can kick-back on your couch and visit our virtual office – our website. Yes! You can also buy personal accident insurance online. The process is quite simple; all you have to do is complete these 3 easy steps.
Step-1
Fill Out health details.
Step-2
Customize your plan.
step-3
Get Policy Document.
Buying personal accident insurance policy online is not just smooth and hassle free, it offers multiple benefits. Few of these benefits are undermentioned -
Disclaimer - On the basis of your profile, premium may change. Premium displayed for 20-25 years old individuals. Per day premium is for indication only, Premium is payable on Annual basis.
** No medical checkup required till insured age is 60 Years.
