Personal Accident Insurance — Complete Protection
Financial security when life throws unexpected challenges. Protect your family's income against accidental death and disability.
Why You Need Personal Accident Protection
Accidents happen without warning. While health insurance covers hospital bills, it does not replace lost income due to disability. Personal accident insurance pays a lump sum to support your family if you are unable to work.
Who Needs Personal Accident Cover?
Daily commuters, field workers, and self-employed professionals need this protection the most. In my 31 years of experience, I have seen how an accident can derail a family's finances. I recommend this for every earning member.
🏆 Ajay's Advisory
An accident can halt your income instantly. While health insurance covers hospital bills, a personal accident policy pays you a lump sum for disability and loss of earnings. It is the cheapest protection you can buy.
What is Covered?
- Lump sum payment of 100% sum assured in case of accidental death
- Payouts up to 100% for permanent total or partial disability like loss of limbs
- Coverage for hospitalization charges and medical bills arising from an accident
How it Differs from Life Insurance
Life insurance pays your family only in case of death. Personal accident insurance covers both death and living disabilities. It helps you manage house expenses and medical bills while you recover.
Leading Accident Plans
You can opt for riders like the LIC Accidental Death and Disability Benefit Rider. Standalone plans like the Star Health Accident Care Policy also offer excellent benefits. These plans are affordable, costing around ₹200 to ₹500 per year for a ₹10 lakh cover.
Simple Claim Process
To claim, inform the company immediately. Submit the First Information Report (FIR), hospital bills, and a medical certificate from a government doctor. Ajay sir will help you handle all the paperwork.
Book a free 30-min call
with Ajay sir personally.
No scripts. No call centre. Ajay Kumar Poddar reviews your situation himself and recommends exactly what your family needs — nothing more.
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