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Buy Personal Accidenet Insurance in India

Financial Security Against Accidents That Can Change Lives in Seconds

Accidents can happen anywhere—on the road, at work, or even at home—and their impact can be physically, emotionally, and financially devastating. A Personal Accident Insurance policy provides immediate financial support to you or your family in case of accidental death, disability, or injury. At BTW IMF, we help individuals and families choose the right accident cover with the best protection and lowest premium.

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What Is Covered?
  • Death due to accident
  • Permanent total or partial disability
  • Temporary total disability
  • Fractures and burns (in some policies)
  • Ambulance charges
  • Funeral and repatriation expenses
  • Education fund for dependent children (in select plans)
What Is Not Covered?
  • Self-inflicted injuries or suicide attempts
  • Injuries due to intoxication or drug use
  • Participation in hazardous activities without declaration
  • War, civil unrest, or nuclear events
  • Pre-existing disability (unless declared and accepted)
Key Benefits of Personal Accident Insurance
Accidental Death Benefit : Lump sum payout to the nominee if the insured dies due to an accident.
Permanent Total Disability Cover : Full payout in case of permanent and complete loss of limbs, eyesight, or mobility.
Permanent Partial Disability : Partial payout for irreversible but partial injuries (e.g., loss of one hand, eye, or leg).
Temporary Total Disability (TTD) : Weekly income replacement if the insured is temporarily bedridden or unable to work.
Medical Expense Reimbursement : Covers hospital, surgery, and treatment costs following the accident.
Transportation and Funeral Expense Cover : Additional benefits provided in case of death due to accident.

Introduction to Personal Accident Insurance in India

What is Covered?

Damage to building due to fire, floods, storm, or earthquake
Theft or burglary of home contents
Accidental damage to household items
Damage from riots, strikes, or malicious acts
Alternative accommodation expenses (optional)
What is Not Covered?
Loss due to intentional damage or negligence
Damage from war or nuclear risks
Wear and tear or depreciation
Loss of cash or legal documents
Damage due to unauthorized construction or illegal activity

Insurance is subject to the terms and conditions of the policy. Please read the policy document carefully before making a purchase

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Why Choose BTW IMF for Accident Insurance?

Compare accident insurance policies from top IRDAI-approved insurers

Customizable coverage based on occupation, income, and risk level

Fast online issuance with minimal documentation

Dedicated support for claims and policy servicing

Low premiums starting from as little as ₹1 per day

Who Should Buy Personal Accident Insurance?

  • Working professionals and salaried employees
  • Freelancers and self-employed individuals
  • Two-wheeler and car owners
  • Manual laborers and construction workers
  • Field staff, delivery agents, and frequent travelers
  • Homemakers and students (basic plans also available)

Accident insurance ensures that you or your family will not face financial hardship in case of serious injury or accidental death.

Frequently Asked Questions (FAQs)

 It is not mandatory by law, but it is strongly recommended for financial protection in case of accidental injury or death.

 Yes. Personal accident insurance complements your health insurance by covering income loss and offering a lump sum payout.

 Yes, many policies offer weekly compensation for temporary total disability due to accidents.

Premiums are usually fixed for the policy term. Longer policy tenures can help lock in lower rates.

Yes, many policies offer worldwide coverage, but you should check your specific insurer’s terms.