Personal Accident Insurance
Lump-sum cover for accidental death and permanent disability.
Understanding Personal Accident Insurance.
Personal Accident (PA) policies pay a lump sum on accidental death and a graded benefit on permanent total / partial disability — anywhere in the world, 24×7.
PA is the cheapest insurance line in the market relative to the benefit — meaningful sums assured for a few hundred rupees a year.
What's actually inside this cover.
- 24×7 worldwide cover
- Accidental Death (AD) and Permanent Total Disability (PTD) benefits
- Permanent Partial Disability (PPD) and Temporary Total Disability (TTD) benefits
- Hospital cash add-on
- Accidental death
- Permanent total and partial disability
- Temporary total disability weekly benefit
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Road accident causes permanent partial disability; the Permanent Partial Disability (PPD) benefit is paid.
Off-duty accident leads to a fracture; the Temporary Total Disability (TTD) weekly benefit runs through recovery.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Is your Personal Accident Insurance cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
More in Individual & Family Health.
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