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Personal Accident


This personal accident insurance policy provides the following additional benefits in addition to basic coverage for Accidental Death, PTD and PPD:

Weekly Compensation: Compensates for loss of income due to a disability caused by accident.

Broken Bones: Fixed compensation in the event of fracture of bones due to an accident.

Modification of Residences / Vehicle: In the event of permanent total disability, we reimburse the expenses incurred for modifying residential accommodation or own vehicle.

Family Transportation Benefit Covers: Expenses towards transportation of the family member to the location of the insured incase of Accidental Death / Permanent Total Disability.

Fee for Private tuition: Compensation towards the tuition fees if the insured is not able to attend school / college due to an accidental injury.

Hospital Daily Cash: Provides a daily allowance for hospitalization due to an accident.

Repatriation of Mortal Remains from the accident site to hospital, residence or cremation ground.

Cost of Cremation Ceremony to perform religious ceremonies up to the time of or post-cremation.

Benefits of personal accident insurance, features of personal accident insurance

Accidents are highly unpredictable and can often result in a lot of damage. It takes a toll on mental health and finances. They sometimes lead to death or permanent disability of an individual which can be very difficult to cope up with. Despite being unable to predict our near future we can always stay prepared for what lies ahead with a proper Personal Accident cover in place.

What are the features of personal accident insurance?

This policy helps with your financial stability and helps cope with cases of death, injuries or bodily burns. With a strong cover and protection for the insured, it is a policy dedicated to helping someone get back on their feet and meet the financial liabilities that arise.

The policy compensates an individual for disability as a result of an accident. You can even include your spouse and dependent children under the plan coverage on a worldwide basis. The price for this policy is worth paying to secure the safety and peace of your loved ones.

Let’s take a look at the benefits of personal accident insurance:

  • Weekly compensation: Compensates for loss of income due to disability as a result of an accident.
  • Hospital Daily cash: A daily allowance is provided for hospitalisation expenses due to an accident.
  • Fee for Private Tuition: This is a compensation towards the insured’s tuition fees if the insured is unable to attend school/college due to an accidental injury.
  • Family Transportation Benefit Covers: Expenses towards transportation of the family member to the location of the insured in case of accidental death or permanent total disability.
  • Modification of Residence/Vehicle: Expenses incurred having to modify the insured’s home or vehicle in the case of permanent total disability.

Get affordable Personal Accident covers with Chola MS and invest in your family’s safety and peace of mind.

* Please note that the maximum liability of the Company in respect of each individual shall be the Sum Insured as per the option selected and in any case shall not exceed five (5) times the annual income.

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