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How To Buy Personal Accident Health Insurance Plans Online?

Published On Mar 10, 2021, Updated On May 02, 2021

A Personal Accident Health Insurance Plan helps the policyholder get financial support in case of an accident. It provides a lump sum amount to the insured to support their medical costs and other financial requirements. Such policies are generally inexpensive and provide compensation in a single transaction.

Types of Personal Accident Insurance Policy

Personal accident insurance plans are classified into two subheads. Here’s a quick overview of the two divisions:

1. Individual Accident Insurance: This type of insurance protects an individual by covering his/her medical expenses in case of accidental death, accidental injuries, and disabilities.

2. Group Accident Insurance: This type of insurance is generally taken by employers for their employees.

Advantages of Personal Accident Insurance Policy

To deal with an uncertain situation and protect yourself from major expenses, it is advisable to buy personal accident health care insurance. The advantages of buying such a policy are mentioned below:

1. Financial Assistance: Personal Accident Insurance Policy provides financial assistance to the insured at the time of emergency. The insurance company covers the medical expenses caused due to the accident.

2. Coverage For Ambulance Expenses: Such insurance policy also covers the ambulance charges up to a limit of Rs. 50,000.

3. Cover for Permanent Total Disability: The plan also provides compensation in the form of regular income in case the life assured gets a permanent and total disability which makes him/her unable to earn a living.

4. Minimal Documentation: For buying or claiming such an insurance policy, not much formal documentation is needed.

5. Child Education Benefit: These plans also provide a Child Education benefit if the life assured meets an accident to support the education of the assured’s children.

6. Peace of Mind: This plan offers a substantial amount of peace of mind by keeping the life assured secured from all financial hassles which may arise due to an accident.

Best Personal Accident Insurance Plan

Below is a comparison between the best plans offered in India, you can evaluate between these insurers and find the best suitable for you.


Personal accident plan

Entry Age

Policy Term

Sum Insured

Bajaj Allianz Insurance

Bajaj Allianz Personal Guard Plan



Rs. 10-25 Lakh

Aditya Birla Capital

Activ Assure Personal Accident Plan

5-65 years


Up to 12 times of annual gross income for earning member

HDFC ERGO Health Insurance

Personal Accident Plan

91 days- 69 years

Renewable till 70 years

Rs. 5-500 Lakh

Kotak General Insurance

Kotak Accident Care

5-65 years

1,2,3 years


National Insurance

Personal Accident Plan

5-70 years

1 year

72 months gross pay or 10 Lakh whichever is less

Reliance Insurance

Personal Accident Group Insurance Policy

5-70 years


100% of sum insured incase of permanent total disability

SBI General Insurance

Individual Personal Accident Plan

18-65 years

1 year

Rs. 1- 10 Lakh

Eligibility For Personal Accident Health Insurance

  • Any person between 18-65 years of age is eligible for the insurance
  • It can be bought for family members too i.e. parents, spouse, children.

Steps To Buy Personal Accident Health Insurance Plans Online

To make it easier for you, the required steps to buying personal accident health insurance are mentioned below:

  • Choose the best personal accident health insurance comparing the benefits they provide.
  • Visit their official website from where you want to buy the insurance plan.
  • Fill the details in the form given, regarding your name, occupation, date of birth, income of the insured.
  • Enter contact details.
  • Select the capital sum you want to insure.
  • Check out their prices
  • Click on buy.
  • Pay the premium online.

How to File a Personal Accidental Insurance Claim?

To initiate the claiming process, you need to inform the insurer and submit the following details:

  • Insured’s name
  • Contact number
  • Policy number
  • Date and time of the accident
  • Location of the incident
  • Description About the accident that took place.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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