Financial protection for the owner-driver.
Personal Accident Cover helps protect you and your family from the financial impact of an accident. Depending on your policy, benefits may include Accidental Death Cover, Hospital Cash, and OPD Cash. Learn how Personal Accident Cover fits into your overall protection in our Insurance Basics and read our Buying Guide to choose the right coverage limit.
₹15,00,000
Mandatory Personal Accident coverage for the owner-driver on all motor policies.
What Personal Accident cover pays for.
Compensation is paid directly to the owner-driver or the designated nominee based on the severity of the accident.
Accidental death cover
A lump sum benefit to your family in the event of accidental death while operating or travelling in the insured vehicle.
Permanent disability
Compensation if an accident causes permanent total or partial disability, securing your livelihood against severe injuries.
Hospital cash benefit
A daily cash payout for the days you spend in hospital following an accident, subject to policy limits.
OPD cash benefit
A one-time cash payout toward outpatient treatment and diagnostic tests for accident-related injuries.
Who this cover is for.
Compulsory Personal Accident cover is mandated by the IRDAI. However, you can choose to waive it if you already hold a standalone PA cover of ₹15 Lakh or more.
Waiving the cover reduces your premium directly. Check your eligibility next to see if you can waive it.
PA Waiver Checklist
Minimum coverage required to legally waive motor PA.
Must match the registered owner of this vehicle.
What to do when you need it.
A structured, step-by-step process handled directly by our Customer Success advisors to support your family.
Inform Insuremile
Contact our Customer Success team within 48 hours of the accident. We will log the claim details with the insurer immediately.
Gather Records
Collect required documents: FIR copy, driving licence, vehicle registration certificate, hospital reports, and discharge summary.
Direct Coordination
We coordinate directly with the insurer's claims department, tracking the process daily until the payout is settled.
Not sure what your current policy covers?
Send us your policy PDF and we'll break down the exact Personal Accident cover you have today, at no cost.