PA (Personal Accident) Insurance – Financial Safety Net in Times of Crisis Personal Accident (PA) Insurance is a type of general insurance policy that provides financial compensation in the event of accidental injuries, disability, or death. Accidents can happen anytime, and their impact can be physically, emotionally, and financially devastating. A PA policy ensures that the insured and their family receive necessary financial support during such unexpected events. This policy covers a wide range of accident-related incidents, such as road accidents, slips and falls, industrial injuries, or natural calamities resulting in permanent or partial disability or even death. It is especially important for individuals who are the sole earning member of the family or work in risk-prone environments.
✅ Accidental Death Cover – 100% compensation to nominee in case of the policyholder’s accidental death
✅ Permanent Total Disability Cover – Payout if the insured becomes permanently disabled (e.g., loss of limbs, eyesight)
✅ Permanent Partial Disability Cover – Compensation for partial disabilities (e.g., loss of one hand or leg)
✅ Temporary Total Disability Benefit – Weekly compensation for loss of income during recovery
✅ Medical Expense Coverage – Some policies include coverage for hospital bills due to the accident
✅ Worldwide Coverage – Provides protection anywhere in the world
✅ Affordable Premiums – High coverage at low cost
No one plans accidents—but PA insurance helps you plan for the aftermath
Helps maintain financial stability for your family in your absence
Ideal for salaried individuals, daily wage workers, self-employed people, and business owners
Can be purchased individually or as a group policy for employees
Anyone who travels frequently or rides/drives vehicles regularly
Individuals working in high-risk jobs like construction, factory, or fieldwork
Sole breadwinners of the family
People looking for affordable life-risk coverage in addition to life or health insurance
