Accidental Death Benefit
Pays the full capital sum insured as a lump sum to your nominee if an accident results in death — replacing lost income and securing your family's future.
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A single accident can change your life in an instant — a road accident, a fall, a burn or a sudden mishap can lead to lost income, heavy medical bills, or worse. Personal Accident (PA) insurance pays a lump-sum benefit for accidental death and disability, plus reimbursement of accident-related medical costs, giving you and your family a financial cushion exactly when you need it most.
Unlike health insurance — which only reimburses hospital bills — a personal accident policy pays a fixed capital sum on accidental death or disability that your family can use for anything: replacing lost income, repaying loans, or managing day-to-day needs. With premiums starting at just a few hundred rupees a year for several lakhs of cover, it is one of the most affordable and essential protections an earning member of a Kerala family can hold. As personal accident insurance advisors in Kerala, we help you choose the right sum insured and add-ons for your occupation and lifestyle.
Comprehensive protection designed for real-world needs and unexpected situations.
Pays the full capital sum insured as a lump sum to your nominee if an accident results in death — replacing lost income and securing your family's future.
A lump-sum payout (often 100–125% of the sum insured) if an accident leaves you permanently and totally disabled — such as loss of both limbs or eyesight — when you can no longer earn.
A scheduled percentage of the sum insured for the permanent loss of a finger, toe, limb or eye, or other partial impairment caused by an accident.
A weekly cash benefit while you are bedridden or unable to work after an accidental injury — helping cover everyday expenses until you recover.
Reimburses hospitalisation, treatment and ambulance costs arising directly from an accident — over and above your regular health insurance.
Protection is active round the clock — at work, at home, on the road or while travelling — anywhere in India or abroad.
Real reasons clients choose this protection and stay protected for the long term.
A personal accident policy pays in addition to any health or life insurance you hold — the lump sum is yours to use however your family needs.
Cover worth several lakhs typically costs only a few hundred to a couple of thousand rupees a year, making it accessible for every earning member.
If an accident stops you from working, the payout replaces lost earnings and helps keep loan EMIs and household expenses on track.
Insure your spouse, children and dependent parents under a single, affordable family personal accident plan.
Most personal accident policies are issued without medical examinations — cover is based on your occupation rather than your health history.
Optional riders such as children's education grants, hospital daily cash, funeral expenses and broken-bones cover can be added at a small extra cost.
Everything you need to know about personal accident insurance for individuals and families in Kerala — answered by our advisors.
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