Why Choose Us
Buy Personal Accident 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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Introduction to Personal Accident Insurance in India
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
Insurance is subject to the terms and conditions of the policy. Please read the policy document carefully before making a purchase
Ready to insure your personal accident? Contact us today at BTW IMF
and let us find the best plan for you!
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.