Health Insurance · intermediate
Personal Accident Insurance
Personal accident cover explained — accidental death, permanent and temporary disability benefits, how a benefit schedule works, accident medical expenses, group cover, and making a claim.
- 01Personal Accident Insurance — Definition, Structure & CoverageWhat personal accident insurance covers, how its fixed benefits differ from its one indemnity section, the heads of benefit a policy may contain, and two accident covers that sit alongside it: the compulsory owner-driver cover in motor insurance and PMSBY.
- 02Accidental Death Benefit — Coverage, Exclusions & Claim ProcessHow the accidental death benefit of a personal accident policy works: what counts as an accidental death, the time limit between accident and death, the exclusions and who has to prove them, and how the benefit sits beside other compensation.
- 03Permanent Total Disability (PTD) — Definition, Assessment & PayoutWhat permanent total disability means in a personal accident policy, how the benefit is fixed by the policy's schedule, the two points that depend on the policy wording, and where a dispute over classification can be taken.
- 04Permanent Partial Disability (PPD) — Schedule of DisabilitiesWhat permanent partial disability is, how a policy's schedule of disabilities turns each listed loss into a percentage of the sum insured, and how several losses and policy caps are handled.
- 05Temporary Total Disability (TTD) — Weekly Benefits & DurationWhat temporary total disability is, how a personal accident policy's weekly benefit is worked out from its benefit schedule, what a waiting period and a maximum period do to the amount, and why other income does not normally reduce it.
- 06Accidental Hospitalization — Medical Expenses CoverageHow the accident medical-expenses section of a personal accident policy works: why it follows the indemnity principle, what its limit does, which expenses belong in it, and what happens when a health policy covers the same bill.
- 07Group Personal Accident Insurance — Employer SchemesHow a group personal accident policy is structured: who the policyholder and the insured members are, what the employer and insurer agree between them, what happens when a member leaves, and why the policy does not replace the employer's statutory liability for work injuries.
- 08Claim Documentation & Common DisputesWhat a personal accident claim has to prove, which documents support each kind of benefit, where disputes usually arise, and the route a complaint follows from the insurer to the Insurance Ombudsman or a consumer commission.