Personal Accident Insurance Policy

Accidents are unpredictable, but their financial impact doesn’t have to be. Personal accident insurance in India offers a safety net, ensuring peace of mind in uncertain times. Discover how Rapidgrow’s Micronsure policies can safeguard you and your loved ones.

Network of 10,000+ cashless Hospitalisation
30 Mins Cashless Claim Policy
2 Crore+ Happy customers

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Benefits of Buying Accidental Insurance

Accidental Death Cover

In the unfortunate event of the policyholder's death due to an accident, the insurer pays a lump sum amount (the full sum insured) to the nominated beneficiaries, ensuring their financial stability.

Disability Coverage

Permanent Total Disability (PTD): A lump sum is paid if the policyholder becomes permanently and totally disabled (e.g., loss of both limbs or eyesight) and is unable to work.
Permanent Partial Disability (PPD): A percentage of the sum insured is paid based on the severity of the injury (e.g., loss of a finger or partial loss of vision).
Temporary Total Disability (TTD): A weekly or monthly cash allowance may be provided for a specified period if the injury temporarily prevents the insured from working and earning income.

Affordable Premiums and Easy Access

Personal accident insurance generally has lower premiums compared to comprehensive life or health insurance plans and typically does not require a prior medical examination for purchase.

Loss of Income Support

The benefits help compensate for the loss of earning capacity or income during recovery or following a permanent disability, ensuring financial commitments like loan EMIs or daily expenses can still be met.

Additional Benefits

Depending on the policy, coverage may include the cost of home or vehicle modifications for disability, transportation of mortal remains, and funeral expenses.

How does Our Claim Process work?

Get to know the steps involved in the claim Process, Whether it is a planned or emergency hospitalisation. Filling a claim is made easy by choosing any of the following ways:

Immediate Intimation : Inform the insurer immediately after the accident via their helpline or email to start the process and avoid delays.
Documentation : Gather all necessary documents. Required documents typically include:
- Duly filled and signed claim form.
- Copy of the insurance policy document.
- First Information Report (FIR) or police report, particularly for major accidents or third-party damage.
- Medical report, discharge summary, and hospital bills (in case of injury).
- Death certificate and post-mortem report (in case of death).
- Nominee’s KYC documents (PAN, ID proof) and bank details.
Vehicle Inspection (for Vehicle Accidents) : If the claim is for a vehicle accident, a surveyor will be appointed to inspect the damage.
Claim Submission : Submit all documents to the insurance company’s claim office or upload them through their portal.
Settlement : Once verified, the insurer will process the claim, offering either a cashless settlement at a network garage/hospital or reimbursement.

Note : Ensure all documentation is accurate to avoid rejection, as any discrepancies can lead to delays or denial of the claim.

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