Personal Accident Insurance Policy

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Buy/Renew Personal Accident Insurance Policy Online

A Personal Accident Policy is a type of additional health insurance that is there to protect you financially in unfortunate situations where you, or even your family members, might face an accident that results in an injury, or in the very worst-case death.

Accidents can occur at any time and turn your life upside down – not only will you be affected physically and of course emotionally, it can also end up being a financial burden. If you have the good fortune to be covered by a regular health insurance policy, it might just cover standard medical expenses like hospitalization charges.

For example, if you fall on the stairs and get a slipped disk or a fracture, you might end up facing a lot of other costs. With a Personal Accident Insurance Cover, you will be able to get a specific lump sum amount to cover any other medical and related expenses, as well as any lost income while you are recovering from this injury so that you can be sure of your financial stability. 

Why do you need a Personal Accident Insurance Cover?

A personal accident cover will keep you and your loved ones secure in case of any unforeseen accidents. So, why do you really need it?

Financial safety
It is an extra financial safety net for you and your family.
Fixed Benefits
You will get a fixed benefit in case of any unfortunate accident.
Financial help
In case of some disablement where you can’t work, you’ll get a bit of financial help.

What's great about a Personal Accident Insurance by Digit?

  • Fixed Benefits - Accidents happen without any warning, at any time and anywhere, and with a Personal Accident Plan, you’ll get a fixed benefit in case of such an eventuality.
  • No medical tests needed - With our Personal accident insurance, you don’t need to get any medical tests done, just go online and get protected in a few simple steps.
  • Get a wide range of coverage - This plan will cover you for all kinds of unfortunate events minor and major injuries to loss of income and more!
  • We cover Home hospitalization - in case you’re not able to go to a hospital and get your medical treatment at home, we’ll cover that too.
  • Great Value - Digit's Personal Accident Cover comes with low-cost premiums that won’t put a strain on your budget.
  • A Cumulative Bonus - If you haven’t made a claim during the policy year, we’ll offer you a sort of reward - an increase in your Sum Insured, starting with 10% for every claim-free year.
  • A Digital Friendly process - From buying your insurance policy to making claims, there’s no paperwork or any running around needed with us, everything can be done online! 

What is Covered in Personal Accident Insurance by Digit?

When you get a Personal Accident Cover, you and your family will be protected in case of... (*Based on the option selected by you)

Disablement

Disablement

In case an accident causes total or partial disabilities (like loss of sight or limbs) this insurance can help cover you financially.

Accidental Death

Accidental Death

In the unfortunate event that an accident results in death (and we hope that never happens), your dependents will get financial protection, as well as help with funeral and transportation expenses.

Hospitalization expenses

Hospitalization expenses*

If you get into an accident, you will be covered for things like room rent, diagnosis, and daycare procedures as well as pre and post hospitalization expenses such as road ambulance charges.

Loss of Income

Loss of Income*

In case you suffer a Temporary Total Disablement and you are unable to perform your work for a while, we will pay a weekly benefit amount.

Benefits for Children

Benefits for Children*

This policy goes beyond helping you and will also cover certain benefits for your dependent children, such as costs of education or marriage expenses if the worst happens and you face permanent total disablement or death after an accident.

Adventure Sports

Adventure Sports*

If you are accidentally injured while doing adventure activities such as scuba diving, bungee jumping, or sky diving (under professional supervision), you’ll be covered.

What is Not Covered?

There are some situations where a Personal Accident insurance won't cover you, such as

If your accidental injury was caused by war, or terrorism, it unfortunately won’t be covered. 

In case the injuries happened while you were under the influence of drugs or alcohol.

When the accidental injury took place while you were committing some criminal act.

How much does a Personal Accident Insurance cost?

There are a lot of relevant factors that go into calculating Personal Accident premiums, such as:

  • Your age
  • The nature of your occupation
  • Your income
  • The number and ages of any additional members (like parents, spouses, or children)
  • Your geographical location
  • What Sum Insured you have opted for

Types of Personal Accident Insurance Plans

Coverages

Fundamental Option

Support Option

All-rounder Option

Important Features

Accidental Death

✔
✔
✔
Permanent Total Disablement

✔
✔
✔
Permanent Partial Disablement

✔
×
✔
All Hospitalization

×
✔
✔
Day Care Procedures

×
✔
✔
Cumulative Bonus

×
✔
✔

Standard Policy Features

Road Ambulance Charges

×
✔
✔
Hospital Cash

×
✔
✔
Child Education Benefit

×
✔
✔
Home Hospitalization

×
✔
✔
Pre/Post Hospitalization

×
✔
✔
Funeral and Transportation Expenses

✔
×
✔
Transportation of Imported Medicines

×
✔
✔

Who should get a Personal Accident Insurance?

Since with this cover you will get a fixed benefit in case of an accident, anyone who feels like their livelihood or work might put them at risk of an accident might want to consider getting a Personal Accident insurance. This might include:

People With Low Risk Occupations

  • Office workers (like consultants, accountants, and engineers)
  • Health care workers
  • Legal professionals
  • Artists, writers, and designers
  • Teachers and School Students
  • Civil servants and Bureaucrats
  • Bankers
  • Shopkeepers
  • Homemakers

People With High Risk Occupations

  • Industrial Workers (non-hazard)
  • Veterinarians
  • Security officers
  • Photographers and Chefs
  • College / University Students
  • Builders, contractors &  construction workers
  • Hospitality and Tourism Sector Workers
  • Airline Crew and Airport Staff
  • Delivery Personnel

People With Very High Risk Occupations

  • Industrial Workers  (hazard workers)
  • Professional Athletes
  • Police and Military armed personnel
  • Mountaineers
  • Journalists
  • Politicians

How to Choose the Right Policy?

  • Look at different policies - Saving money is great, but sometimes the personal accident policy that has the lowest premium might not have the best plans; so, compare the features and premiums of different policies to find one at an affordable price that works for you.
  • Get the right coverage - The insurance policy should give you the best coverage.
  • Pick the right sum insured - You can look for a policy that lets you customize your sum insured based on the nature of your work and the risk you face.
  • Claims Process - This is one of the most important parts of any insurance policy, look for an insurance company where claims are not only easy to make but easy to settle too as it can save you a lot of hassle. 
  • Service Benefits - Choose an insurer who will even be able to offer you a lot of extras benefits, like 24X7 customer assistance or an easy-to-use mobile app.    

Common Personal Accident Terms Simplified for you

Accident

Any sudden, unexpected situation that may or may not cause injuries to the person or persons involved.

Immediate Family

Your immediate family refers to any person who is your spouse, child, parent, or sibling.

Beneficiaries

The person(s) that you have named in the policy as the recipient of your insurance benefit upon your death.

Permanent total disability

Any injury that is permanent and prevents you from being able to work. This might include, blindness, paralysis, or loss of both legs. 

Permanent partial disability

If an injury will not improve over time and leaves you partially disabled. For example, loss of one leg, blindness in one eye or losing hearing in one ear.

Temporary total disability

An injury which creates a disability that prevents you working for a temporary amount of time, while you recover. Like a broken arm or leg.

Cumulative Bonus

A sort of reward you get for a claim free-year, where you get an additional percentage of sum insured of your coverage, while you pay the same premium.

Sum insured

It is the maximum amount that your insurer will pay in case you make a claim. 

Deductible

This is a small amount that you need to pay out of your pocket before the insurer can cover your claim.  

FAQs about Personal Accident Insurance