Accidents don't announce themselves — on the road, at work, or at home. Personal Accident insurance pays a lump sum on accidental death or disability, and weekly benefits when injuries stop you from earning. Unlike life insurance, it also protects you while you're alive but unable to work.
This cover is essential for drivers, delivery partners, field workers, factory staff and business owners — anyone whose family depends on their physical ability to earn. Premiums are remarkably low: substantial covers cost just a few hundred rupees a year.
Who Needs Personal Accident Insurance?
- Drivers & delivery partners
- Factory & construction workers
- Field sales & service staff
- Shopkeepers & self-employed
- Anyone without employer accident cover
Why Choose Advika Enterprises for Personal Accident Insurance
- 24x7 worldwide cover — road, work, home, travel
- Accidental death, permanent & partial disability benefits
- Weekly income benefit during temporary total disability
- Children's education benefit add-on available
- Very low premiums — big cover for a few hundred rupees/year
- Simple claims with our documentation support
Documents Required
- Aadhaar & PAN
- Photograph
- Occupation details
- Income proof (for high sum insured)
- Nominee details
📱 Just send photos of your documents on WhatsApp — our team verifies everything before filing.
How It Works — Our Simple Process
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1
Quick Profile
Your age, occupation and income decide eligible cover — 5 minutes on a call.
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2
Plan Selection
We recommend the right sum insured and useful riders for your work profile.
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3
Instant Issuance
Most PA policies are issued the same day without medical tests.
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4
Claim Support
In the unfortunate event, we help your family with every document and follow-up.
Ready to get started with Personal Accident Insurance?
Free consultation • Transparent pricing • Expert handled
Frequently Asked Questions — Personal Accident Insurance
How is this different from life or health insurance?
Life insurance pays only on death; health insurance pays hospital bills. Personal accident pays lump sums for accidental death AND disability, plus income replacement while you recover — the gap both others leave.
What occupations can buy PA cover?
Almost all. Premiums vary by risk class — office work, field work, or hazardous occupations. We declare your occupation correctly so claims are smooth.
Does it cover accidents outside India?
Yes, standard personal accident policies provide 24x7 worldwide coverage.
What is the claim process for disability?
Treatment records, disability certificate from a civil surgeon (where applicable) and our assistance with insurer formalities — we guide your family end to end.