{"id":2054,"date":"2022-09-13T10:36:47","date_gmt":"2022-09-13T05:06:47","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2054"},"modified":"2022-11-17T10:03:53","modified_gmt":"2022-11-17T04:33:53","slug":"all-you-need-to-know-about-personal-accident-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-personal-accident-insurance\/","title":{"rendered":"All You Need to Know About Personal Accident Insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-personal-accident-insurance\/#Inclusions_of_Personal_Accident_Insurance\" >Inclusions of Personal Accident Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-personal-accident-insurance\/#Exclusions_of_Personal_Accident_Insurance\" >Exclusions of Personal Accident Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-personal-accident-insurance\/#Heres_a_Case_of_Claim_Rejection_in_Personal_Accident_Insurance\" >Here\u2019s a Case of Claim Rejection in Personal Accident Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-personal-accident-insurance\/#How_to_Apply_for_a_Personal_Accident_Claim\" >How to Apply for a Personal Accident Claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-personal-accident-insurance\/#Documents_to_Be_Submitted\" >Documents to Be Submitted<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-personal-accident-insurance\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">The future is unpredictable. We all carry a risk of accidents that can cause death or disability. There is more probability of accidental disability. <\/span><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">This risk can be covered through personal accident and disability cover. This cover can be bought either as a rider with a life insurance or as a separate insurance product.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Personal Accident Insurance provides financial protection to you and your family against death, bodily injury, and disability caused by an accident. This claim is paid either through one-time payment or installment for a period.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Please note that the proximate cause of death or disability needs to be an accident only (which means a sudden impact. For example, a cardiac patient had an accident and died after 20 days. Though the proximate cause is an accident but death has happened due to cardiac arrest and the claim will be denied.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-2057 size-full\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-know-About-Personal-Accident-Insurance.jpg\" alt=\"All You Need to Know About Personal Accident Insurance\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-know-About-Personal-Accident-Insurance.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-know-About-Personal-Accident-Insurance-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-know-About-Personal-Accident-Insurance-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-know-About-Personal-Accident-Insurance-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-know-About-Personal-Accident-Insurance-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-know-About-Personal-Accident-Insurance-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Inclusions_of_Personal_Accident_Insurance\"><\/span><b><span style=\"font-family: 'Arial','sans-serif'; color: black;\">Inclusions of Personal Accident Insurance?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">A personal accident insurance policy covers:<\/span><\/p>\n<ol>\n<li><strong>Accidental Death<\/strong>: Only accidental death and not natural death will be covered. A 100% sum assured is given to the nominee in case of accidental death.<\/li>\n<li><strong>Permanent Total Disability (PTD)<\/strong>: A lifelong total impairment that prevents you from engaging in any kind of occupation such as loss of sight of both eyes, actual loss by physical separation of both hands or both feet or one entire hand or one foot, etc. A specified sum insured is paid to the policyholder or a 20% sum assured is paid for 5 years.<\/li>\n<li><strong>Permanent Partial Disability (PPD)<\/strong>: A partial loss of a body part or sensory organ specified in the policy document. A specified sum is paid to the policyholder.<\/li>\n<li><strong>Temporary Total Disability (TTD)<\/strong>: Bodily injury that prevents you to engage in your occupation for a period of time. The company will provide a weekly allowance to compensate for the loss of income.<\/li>\n<\/ol>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Exclusions_of_Personal_Accident_Insurance\"><\/span><b><span style=\"font-family: 'Arial','sans-serif'; color: black;\">Exclusions of Personal Accident Insurance?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>Natural death of the policyholder<\/li>\n<li>The policyholder had a pre-existing injury or a disability<\/li>\n<li>Suicide attempt by the policyholder<\/li>\n<li>Policyholder suffering from a mental disorder<\/li>\n<li>Committed a criminal act that caused the injury<\/li>\n<li>Policyholder took a part in a war activity that caused the injury<\/li>\n<li>Childbirth or pregnancy-related complications<\/li>\n<li>The policyholder was under the influence of alcohol or drugs at the time of the incident.<\/li>\n<li>The accident is caused in a criminal activity.<\/li>\n<\/ol>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">These are some of the exclusions. Carefully read your policy document to know other exclusions of the policy.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Heres_a_Case_of_Claim_Rejection_in_Personal_Accident_Insurance\"><\/span><b><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Here\u2019s a Case of Claim Rejection in Personal Accident Insurance<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Mr. Rahul had a personal accident insurance policy. He met with a severe rail accident while going to his office. The accident caused severe injuries to the lower leg. He had a right leg knee amputation to save his limb. His wife notified the insurance company about the permanent disability and submitted the claim form along with the necessary documents to the insurance company.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">The company rejected the permanent disability claim as their investigation found that Mr. Rahul was diagnosed with post-traumatic limb ischemia right low limb with LI Fracture. According to them, it was temporary. Also, they found no evidence of any kind of permanent disability due to the accident.<\/span><\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">The couple was confused as they don\u2019t know how to make the insurance company understand that it was a genuine case of permanent disability. Then they saw the episode of Shark Tank in which Insurance Samadhan appeared. His wife approached us with the case. We verified all the documents of Mr. Rahul\u2019s case and came to the conclusion that he had a permanent disability due to the rail accident.<\/span><\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">We guided the couple in approaching the insurance company. We helped them to resolve the case and get the claim money within 5 months.\u00a0<\/span><\/span><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"How_to_Apply_for_a_Personal_Accident_Claim\"><\/span><b><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">How to Apply for a Personal Accident Claim?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>Immediately notify your insurance company after the accident. You can call on customer care number or visit their website to inform them online.<\/li>\n<li>Submit the duly filled claim form along with policy documents to your insurance company<\/li>\n<li>You also need to submit other documents as per the case (death, permanent disability, partial disability, etc.).<\/li>\n<li>The insurance company will investigate the case and ask for further documents (if required).<\/li>\n<li>After investigating, the company will decide whether to approve the claim or deny it.<\/li>\n<li>If the claim is approved, then the company will pay the claim amount through check or transfer it to your bank account.<\/li>\n<li>If the claim is denied\/rejected, then the company will send you a rejection letter, stating the reason for the claim rejection.<\/li>\n<\/ol>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">If you are not satisfied with the claim settlement, you can reapply.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/group-personal-accident-insurance-claims-processing-mechanism\/\">Click here to know the process of claim in a group personal accident insurance<\/a><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Documents_to_Be_Submitted\"><\/span><b><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Documents to Be Submitted<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>A death certificate and post-mortem report (in case of death)<\/li>\n<li>Disability certificate (in case of disability)<\/li>\n<li>Doctor\u2019s Report<\/li>\n<li>FIR copy<\/li>\n<li>Medical certificates<\/li>\n<li>Medical bills<\/li>\n<li>Photograph of the accident site<\/li>\n<li>Panchnama<\/li>\n<\/ol>\n<p style=\"margin: 12.0pt 0cm 12.0pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">If you face any issues, then you can contact Insurance Samadhan. Insurance Samadhan has resolved 14500+ customer grievances related to insurance. If you want any guidance, then you can contact us. We\u2019ll be happy to help you.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/cashless-claims-in-health-insurance\/\">Cashless claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in a life insurance policy<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/dengue-insurance-coverages-and-exclusions\/\">Dengue Claim Rejection<\/a><\/p>\n<div>\n<div class=\"centered-text-area\">\n<div class=\"centered-text\">\n<p>You can also<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\">Click here<\/a>\u00a0to register your case with us<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-personal-accident-insurance\/\"\n  },\n  \"headline\": \"All You Need to Know About Personal Accident Insurance\",\n  \"description\": \"Personal Accident Insurance provides financial protection to you and your family against death, bodily injury, and disability caused by an accident. This claim is paid either through one-time payment or installment for a period.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-know-About-Personal-Accident-Insurance.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-09-13\",\n  \"dateModified\": \"2022-09-13\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The future is unpredictable. We all carry a risk of accidents that can cause death or disability. There is more probability of accidental disability. This risk can be covered through personal accident and disability cover. This cover can be bought&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-about-personal-accident-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2058,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[31,164,166,165,161,163,162],"class_list":["post-2054","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-accidental-death","tag-permanent-disability","tag-permanent-partial-disability","tag-permanent-total-disability","tag-personal-accident","tag-personal-accident-insurance","tag-ppd"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>All You Need to Know About Personal Accident 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