Comprehensive protection against accidental injuries, disability, and death with lump sum payouts.
Personal Accident Insurance provides financial compensation in case of accidental death, permanent total disability, permanent partial disability, or temporary total disability caused by accidents. Unlike life insurance which pays only on death, accident insurance provides benefits for disabilities too, helping you maintain financial stability during recovery.
At Prime Wealth Management, we understand that accidents can happen anytime, anywhere - at home, at work, or on the road. Our personal accident insurance plans offer comprehensive coverage with generous sum insured options and additional benefits like hospitalization cover, education fund for children, and loan protection.
"Accidents don't announce their arrival. Personal accident insurance ensures they don't devastate your finances."
Our policies cover accidents occurring 24/7, worldwide, and provide lump sum payments that can be used for medical treatment, rehabilitation, income replacement, or any other needs arising from the accident. With affordable premiums and flexible coverage options, personal accident insurance is an essential supplement to your life and health insurance.
Discover the comprehensive protection offered by personal accident insurance.
Provides lump sum payment to nominee in case of death due to accident, offering financial security to your family.
Covers permanent total or partial disability with percentage-based compensation based on the disability extent.
Covers hospitalization costs, surgery expenses, and other medical bills resulting from accidental injuries.
Provides weekly compensation for temporary total disability, replacing lost income during recovery period.
Provides education fund for children in case of accidental death or permanent disability of the earning parent.
Covers ambulance charges for transportation to hospital following an accident, up to specified limits.
Our personal accident insurance provides comprehensive protection against various accident-related risks.
Choose from our range of personal accident insurance plans for different coverage needs.
Essential Accident Cover
Cover for Entire Family
Comprehensive Protection
Find answers to common questions about personal accident insurance.
An accident is defined as a sudden, unforeseen, and involuntary event caused by external, visible, and violent means. This includes road accidents, falls, burns, drowning, poisoning, injuries from machinery, etc., but typically excludes illnesses, natural causes, or intentional self-harm.
Disability percentage is determined by medical practitioners based on standard disability schedules (like those prescribed by IRDAI). Permanent total disability typically means 100% loss of earning capacity, while partial disabilities have specified percentages (loss of one eye = 50%, loss of one limb = 50-70%, etc.).
Standard policies may exclude hazardous activities like adventure sports. However, we offer optional riders that can extend coverage to activities like trekking, skiing, scuba diving, etc., for an additional premium. You need to declare such activities at policy purchase.
Most policies are available for individuals between 18-70 years. Some insurers offer coverage for children (5-18 years) under family floater plans. Premiums and coverage terms may vary based on age, occupation, and health conditions.
Yes, but hazardous occupations (like mining, construction, firefighting) may attract higher premiums or have certain exclusions. We work with multiple insurers to find the best coverage for your specific occupation at competitive rates.
Don't wait for an accident to realize the importance of financial protection. Get comprehensive personal accident insurance today.