Personal Accident Insurance

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What is a Personal Accident Insurance Policy?

A Personal Accident Policy is a type of additional health insurance that is there to protect you financially in unfortunate situations where you, or even your family members, might face an accident that results in an injury, or in the very worst-case death.

Accidents can occur at any time and turn your life upside down – not only will you be affected physically and of course emotionally, it can also end up being a financial burden. If you have the good fortune to be covered by a regular health insurance policy, it might just cover standard medical expenses like hospitalization charges.

For example, if you fall on the stairs and get a slipped disk or a fracture, you might end up facing a lot of other costs. With a Personal Accident Insurance Cover, you will be able to get a specific lump sum amount to cover any other medical and related expenses, as well as any lost income while you are recovering from this injury so that you can be sure of your financial stability.

Why do you need a Personal Accident Insurance Cover?

A personal accident cover will keep you and your loved ones secure in case of any unforeseen accidents. So, why do you really need it?

What's great about a Personal Accident Insurance by Digit?

Fixed Benefits - Accidents happen without any warning, at any time and anywhere, and with a Personal Accident Plan, you’ll get a fixed benefit in case of such an eventuality.
No medical tests needed - With our Personal accident insurance, you don’t need to get any medical tests done, just go online and get protected in a few simple steps.
Get a wide range of coverage - This plan will cover you for all kinds of unfortunate events minor and major injuries to loss of income and more!
We cover Home hospitalization - in case you’re not able to go to a hospital and get your medical treatment at home, we’ll cover that too.
Great Value - Digit's Personal Accident Cover comes with low-cost premiums that won’t put a strain on your budget.
A Cumulative Bonus - If you haven’t made a claim during the policy year, we’ll offer you a sort of reward - an increase in your Sum Insured, starting with 10% for every claim-free year.
A Digital Friendly process - From buying your insurance policy to making claims, there’s no paperwork or any running around needed with us, everything can be done online!

What is Covered in Personal Accident Insurance by Digit?

When you get a Personal Accident Cover, you and your family will be protected in case of... (*Based on the option selected by you)

Disablement

In case an accident causes total or partial disabilities (like loss of sight or limbs) this insurance can help cover you financially.

Accidental Death

In the unfortunate event that an accident results in death (and we hope that never happens), your dependents will get financial protection, as well as help with funeral and transportation expenses.

Hospitalization expenses*

If you get into an accident, you will be covered for things like room rent, diagnosis, and daycare procedures as well as pre and post hospitalization expenses such as road ambulance charges.

Loss of Income*

In case you suffer a Temporary Total Disablement and you are unable to perform your work for a while, we will pay a weekly benefit amount.

Benefits for Children*

This policy goes beyond helping you and will also cover certain benefits for your dependent children, such as costs of education or marriage expenses if the worst happens and you face permanent total disablement or death after an accident.

Adventure Sports*

If you are accidentally injured while doing adventure activities such as scuba diving, bungee jumping, or sky diving (under professional supervision), you’ll be covered.

What is Not Covered?

There are some situations where a Personal Accident insurance won't cover you, such as

How much does a Personal Accident Insurance cost?

There are a lot of relevant factors that go into calculating Personal Accident premiums, such as:

Your age
The nature of your occupation
Your income
The number and ages of any additional members (like parents, spouses, or children)
Your geographical location
What Sum Insured you have opted for

Types of Personal Accident Insurance Plans

Pick and choose the right kind of plan for you, as well as your spouse, children and parents based on the amount of coverage that is just right for you; we have three options to choose from:

	Fundamental Option	Support Option	All-rounder Option
Important Policy Features
Accidental Death	✔	✔	✔
Permanent Total Disablement	✔	✔	✔
Permanent Partial Disablement	✔	×	✔
All Hospitalization	×	✔	✔
Day Care Procedures	×	✔	✔
Cumulative Bonus	×	✔	✔
Standard Policy Features
Road Ambulance Charges	×	✔	✔
Hospital Cash	×	✔	✔
Child Education Benefit	×	✔	✔
Home Hospitalization	×	✔	✔
Pre/Post Hospitalization	×	✔	✔
Funeral and Transportation Expenses	✔	×	✔
Transportation of Imported Medicines	×	✔	✔

Who should get a Personal Accident Insurance?

Since with this cover you will get a fixed benefit in case of an accident, anyone who feels like their livelihood or work might put them at risk of an accident might want to consider getting a Personal Accident insurance. This might include:

People With Low Risk Occupations

Office workers (like consultants, accountants, and engineers)
Health care workers
Legal professionals
Artists, writers, and designers
Teachers and School Students
Civil servants and Bureaucrats
Bankers
Shopkeepers
Homemakers

People With High Risk Occupations

Industrial Workers (non-hazard)
Veterinarians
Security officers
Photographers and Chefs
College / University Students
Builders, contractors & construction workers
Hospitality and Tourism Sector Workers
Airline Crew and Airport Staff
Delivery Personnel

People With Very High Risk Occupations

Industrial Workers (hazard workers)
Professional Athletes
Police and Military armed personnel
Mountaineers
Journalists
Politicians

How to Choose the Right Policy?

Look at different policies - Saving money is great, but sometimes the personal accident policy that has the lowest premium might not have the best plans; so, compare the features and premiums of different policies to find one at an affordable price that works for you.
Get the right coverage - The insurance policy should give you the best coverage.
Pick the right sum insured - You can look for a policy that lets you customize your sum insured based on the nature of your work and the risk you face.
Claims Process - This is one of the most important parts of any insurance policy, look for an insurance company where claims are not only easy to make but easy to settle too as it can save you a lot of hassle.
Service Benefits - Choose an insurer who will even be able to offer you a lot of extras benefits, like 24X7 customer assistance or an easy-to-use mobile app.

Common Personal Accident Terms Simplified for you

Frequently Asked Questions

✓ What is personal accident insurance?

A Personal accident cover provides is there to help you in case you suffer an accident that leads to a serious injury or death. With a personal accident policy, in these cases, you will get a specific lump sum amount. It will act as a financial safety net for you and your family, as it also covers costs for hospitalization because of the accident.

✓ What are the benefits of a personal accident policy?

A personal accident policy will cover you in case of accidental death, permanent disability, partial disability, and many other things like ambulance and hospitalization costs. You can also add your entire family under the policy and protect them from in case of any unexpected incidents as well.

✓ Can I include my parents in this policy?

Yes, you can add your parents, up to 70 years, as dependents under this policy.

✓ Is there any age limit for a personal accident policy?

The main person being insured under a personal accident policy should be above 18 years old, and generally under 70 years. Dependent children can also be covered under the policy up to 25 years.

✓ How is the premium calculated in a Personal accident cover?

There are many factors which determine the premium of your Personal Accident insurance. Some of these are, the nature of your occupation, your income, age, and how many people are added under the policy.

✓ How is the compensation determined for a Personal Accident?

The benefit amount that you will get under a Personal Accident policy is generally a set percentage of your Sum Insured. This percentage depends on the extent of loss after an accident, and you can find it clearly specified in your policy wordings.

✓ Does the personal accident policy cover death?

Yes, it does. In the case that you suffer an accidental death, your dependents will get the sum insured amount.

✓ I already have a life insurance policy. Why should I also buy a personal accident cover?

While a life insurance policy will offer your dependents benefits in the case of your death, a personal accident policy, will also protect you against any financial risks due to accidents, like hospital costs, loss of income after an injury, or security in case of a permanent total disability.

✓ But I also have health insurance. Do I still need personal accident policy?

A standard health insurance policy is actually pretty different from a personal accident policy. A health insurance will cover you in case of any illness and things like hospitalization costs are usually cashless or reimbursed to you. But, with a personal accident cover, you will get a lump sum amount to help you out at a time when financial support is needed.

✓ What documents are required for a personal accident policy?

The best part of Digit’s Personal Accident Policy is that it’s a completely paperless process! All you need to do is fill in the required details and make the payment and you’ll be on your way to being covered under your insurance plan.

✓ Do I need a separate personal accident policy for my family members?

No, actually you don’t! A Personal Accident policy is a floater policy, which means that you can add yourself, as well as your spouse, dependent children, and parents under one plan.