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An Informative Guide on Personal Accident Insurance Cover in India

Updated On Oct 20, 2023

In the unpredictable journey of life, accidents can happen when you least expect them. These unforeseen events can result in not only physical and emotional trauma but also financial strain. That is where personal accident insurance, often referred to as PAI insurance or personal accident cover, comes into play. In this blog, we'll explore the ins and outs of personal accident insurance in the context of health insurance, highlighting the benefits of coverage and the different options available to you.

What is Personal Accident Insurance?

An Informative Guide on Personal Accident Insurance Cover in India

Personal Accident Insurance, often abbreviated as PAI insurance, is a specialised type of insurance that provides financial protection in the event of accidents that lead to injury, disability, or death. This insurance can offer coverage for accidents that occur both at work and in your personal life.

Some of the key features of Personal Accident Insurance are as follows:

  • Accidental Death Coverage: In the unfortunate event of death due to an accident, the policy provides a lump sum payment to the beneficiary.
  • Permanent Disability Coverage: If an accident results in permanent disability, the insured receives a pre-defined benefit amount.
  • Temporary Disability Coverage: Personal accident insurance can also cover temporary disability, providing a portion of the insured's salary during the recovery period.
  • Medical Expenses: It may cover medical expenses related to accident injuries.

Personal Accident Insurance vs. Health Insurance

Let’s explore which is better for you personal accident insurance or health insurance:

What Does Health Insurance Cover?

Health insurance primarily covers medical expenses, hospitalisation, and healthcare services. While it is essential for overall healthcare needs, health insurance might not provide sufficient coverage for non-medical expenses associated with accidents, such as loss of income, rehabilitation, and home modifications.

Why Combine Personal Accident Insurance with Health Insurance?

In case of injuries due to accidents, a health insurance plan may not be sufficient which is why it becomes essential to combine your health insurance plan with a personal accident insurance cover. Personal accident insurance complements health insurance by providing financial support for accident-related expenses not covered by health insurance. PAI insurance also offers financial security by compensating for loss of income due to an accident. Moreover, you can also tailor your personal accident insurance policy to meet your specific needs and budget.

Types of Personal Accident Insurance

There are different types of Personal Accident Insurance cover that you should know about. Scroll through the section to know about these types: 

Individual Personal Accident Insurance

This type of insurance covers a single person, providing them with benefits in case of an accident. As the name implies, you can get coverage for only one individual under this cover. 

Group Personal Accident Insurance

Group personal accident insurance is typically offered by employers to their employees as a part of employee benefits. It provides coverage to a group of people, often at a lower premium per person. Thus, it makes sense to buy Group Personal Accident Insurance in case you have to buy it for multiple individuals. 

Family Personal Accident Insurance

This policy extends coverage to the entire family, ensuring that all family members are financially protected in the event of an accident.

Benefits of Personal Accident Insurance in Health Insurance

Some of the reasons why you should buy personal accident insurance are as follows: 

Financial Security

Personal accident insurance offers a financial cushion to help you and your family cope with the unexpected financial burden of an accident, such as medical expenses, rehabilitation costs, and lost income.

Peace of Mind

Knowing that you have personal accident insurance coverage brings peace of mind, reducing the stress and anxiety associated with unexpected accidents.

Customised Coverage

You can tailor your personal accident insurance policy to match your unique needs, ensuring you get the right amount of coverage without overpaying.

No Medical Test Required

There is no medical test required when you are buying a Personal Accident Cover. This means that you can get this cover without getting involved in any kind of medical examination or process.

How to Choose the Right Personal Accident Insurance?

Listed below are some of the tips that will help you in choosing the right personal accident insurance cover for yourself: 

  • Assess your lifestyle, occupation, and personal circumstances to determine the level of coverage you require.
  • Compare personal accident insurance providers to find the one that offers the best coverage and affordability.
  • Thoroughly read and understand the policy terms, including coverage limits, waiting periods, and claim procedures.

Exclusions of Personal Accident Insurance

Some of the exclusions of Personal Accident Insurance are as follows:

  • Any injury due to involvement in adventurous activity is not covered under PAI
  • If any accident takes place and the insured is found driving without a driving license or under the influence of alcohol, then no coverage will be offered
  • Any self-inflicted injury is not covered under Personal Accident Insurance 


Personal accident insurance, also known as PAI insurance or personal accident cover, is a vital component of your overall financial security. It complements your health insurance by providing coverage for non-medical expenses resulting from accidents. Whether you are considering individual, group, or family personal accident insurance, it's crucial to evaluate your needs and choose a policy that offers the right level of coverage. With personal accident insurance, you can safeguard your health and finances, ensuring that unexpected accidents don't derail your life's journey. Make an informed decision to protect what matters most.


  • Should I buy Personal Accident Insurance?

Yes, if you have financial dependants, then you must buy Personal Accident Insurance to secure your future.

  • Is disability covered under Personal Accident Insurance?

Yes, disability is covered along with Personal Accident Insurance cover.

  • What are the different types of Personal Accident Insurance?

The different types of Personal Accident Insurance are Individual PAI, Group PAI, and Family PAI.

  • Is injury due to adventure activity covered under Personal Accident Insurance?

No, injury due to involvement in adventure activity is not covered under PAI.


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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