Premium Starts at Just INR 600
Covers accidental death, disability, and income loss due to accident
Quick, seamless claims support
Kshema Personal Accident policy is designed to provide financial support in case of accidental injury, disability, or death. It helps reduce the financial burden that can arise from accidents.
It offers compensation if an accident leads to:
Personal accident policy acts as a financial safety net, helping you and your loved ones stay protected when accidents disrupt everyday life.
Provides timely financial assistance in case of accidental death, helping your family manage expenses and stay financially secure.
If a temporary disability prevents you from working, the cover helps offset income loss and supports you during recovery.
In cases of permanent disability, personal accident policy offers sustained financial support when regular earning ability is affected.
Relevant for professionals and their families, offering peace of mind
Personal Accident Cover - Key Benefits
Discover the comprehensive protection and financial security offered by our specialized accident plans.
100% payout of Sum Insured to nominated family members.
100% payout for life-altering injuries resulting in total disability.
Payout based on percentage of disability as per policy terms.
Weekly income benefit during recovery
Experience quick and hassle-free paperless claim settlements.
Simple, single premium structure applicable across age groups.
Once you purchase a personal accident insurance policy, you receive clear documentation that explains what is covered and what is excluded under the policy.
Understand how your premium varies based on a few factors.
Choose your coverage amount based on the level of protection required.
Get a discount when multiple family members buy individual policies together.
Choose the right Personal Accident plan that fits your needs. Whether you are an individual or looking for group coverage, we have you covered.
| Feature / Coverage | Retail Plan | Group Plan |
|---|---|---|
| Accidental Death | Covered | Covered |
| PTD (Permanent Total Disability ) | Covered | Covered |
| PPD (Postpartum Depression) | Covered | Covered |
| TTD (Temporary Total Disability) Weekly Income | Not Covered | Covered |
Kshema provides a comprehensive and transparent accident cover with dedicated support at every step.
Get covered in minutes with our fully digital application process. No physical paperwork or medical tests required for most plans.
Clear and guaranteed payouts as per the policy schedule. We ensure you understand exactly what you're covered for without hidden terms.
We provide priority assistance to nominees during difficult times, helping them navigate the claim process with compassion and speed.
Our dedicated claims team ensures that decisions are made quickly, typically within 30 days of receiving all necessary documents.
Hassle Free Claims
Our seamless claims process ensures you get back on the road faster. Report, document, and track your claim entirely online with just a few clicks.
Need help with finding the best insurance solution? Our representative will guide you through the plans and help you buy a policy.
