Personal Accident Insurance – Chhoti Galti Badi Musibat, Iska Cover Lena Zaroori Hai?
By RJ Smart Finance | Updated: July 2, 2025
🔍 Personal Accident Insurance Kya Hai?
Yeh ek aisa bima hai jo kisi bhi accident ke case mein aapko financial security deta hai. Agar kisi accident ke kaaran death, disability ya temporary income loss</strong hota hai, to is policy se aapko ek fixed amount milta hai.
💡 Kyun Zaroori Hai?
- Medical & recovery kharche cover karta hai
- Job chhootne ya kaam na kar paane par weekly income deta hai
- Family ko accident ke baad lump sum support milta hai
- Low premium aur high benefit ka combo hai
🛡️ Coverage Kya Kya Milega?
- Accidental Death
- Permanent Total Disability
- Permanent Partial Disability
- Temporary Total Disability
- Medical Reimbursement (optional)
- Hospital Cash, Ambulance charges (optional)
- Children Education Benefit
❌ Kya Covered Nahi Hai?
- Alcohol ya drugs ke influence mein accident
- Self-harm ya suicide
- Adventure sports (without add-on)
- War ya terrorism related injuries
- Illegal activity ke dauraan injury
💰 Kitna Cover Lena Chahiye?
General rule hai: Monthly income × 10–15
Recommended: ₹10 lakh se ₹50 lakh tak ka sum assured, especially agar aap self-employed ya high-risk job mein hain.
👨👩👧👦 Kaun Le Sakta Hai?
18–70 saal ke koi bhi Indian citizen isse le sakte hain. Yeh salaried, business owners, homemakers, students sab ke liye useful hai.
📄 Documents for Policy & Claim
- Photo ID (Aadhaar, PAN)
- Claim ke liye: Claim form, Doctor certificate, FIR (if needed), hospital bills, death certificate
📈 Real Life Example
Mr. Rajesh Sharma, ek delivery agent, ka accident hua. Pair toot gaya. Unki policy ne ₹1.8 lakh ka benefit diya – hospital bills, weekly income aur disability claim mila.
🚗 Motor Insurance Add-on vs Standalone Personal Accident Insurance
Kya motor insurance ke saath milne wala PA cover kaafi hai? Nahin.
| Motor Insurance PA Add-on | Standalone PA Insurance |
|---|---|
| ₹15 lakh tak IRDAI rule ke tahat | ₹10 lakh se ₹1 crore tak flexible cover |
| Sirf driving ke dauraan applicable | 24x7 coverage – kahin bhi ho |
| Premium fixed & low | Premium sum assured par depend karta hai |
| Mandatory by law | Optional but very important |
Conclusion: Dono lena chahiye. Add-on mandatory hai, standalone policy life-long protection ke liye must hai.
👉 Best standalone personal accident insurance lene ke liye contact karein:
💼 Top Companies Jo Ye Cover Deti Hain
- HDFC Ergo
- Bajaj Allianz
- Star Health
- TATA AIG
- Digit General Insurance
Sabhi plans compare karein yahaan: RJ Smart Finance – Turtlemint Profile
❓ FAQs
Q: Kya health insurance ke saath PA cover lena zaroori hai?
A: Haan, health insurance hospital bill cover karta hai, PA policy income loss & death/disability ka sahara deti hai.
Q: Premium kitna hota hai?
A: ₹500 se ₹5000 yearly tak, coverage ke hisaab se.
Q: Kya tax benefit milta hai?
A: Generally nahi milta (not under Section 80D).
📲 RJ Smart Finance Se Contact Karein
Personal Accident Insurance lene ke liye WhatsApp karein ya best plan compare karein humare advisor portal par:
- WhatsApp: 7340641541
- Advisor Page: RJ Smart Finance on Turtlemint
