4W Add-on-covers

Personal Accident Cover (PA Cover)

Get comprehensive protection for yourself and passengers in case of injury or death as a result of a car accident with Personal Accident Cover for car insurance. Choose from various coverage options, and ensure financial security with a personalized policy. Get peace of mind on the road.

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What is Personal Accident Cover (PA Cover)?

Personal Accident Cover is an optional add-on for car insurance that provides financial protection for policyholders and their passengers in case of injury or death as a result of a car accident. This type of insurance provides peace of mind and protection for drivers and passengers, and can help cover the cost of medical expenses, lost income, and other related costs.

What Does Personal Accident Cover Include?

Accidental Death Benefit: In case of death as a result of a car accident, Personal Accident Cover provides policyholders with a lump sum payment to help cover the cost of final expenses and other related costs.

Permanent Total Disability Benefit: In case of permanent total disability as a result of a car accident, Personal Accident Cover provides policyholders with a lump sum payment to help cover the cost of medical expenses and other related costs.

Temporary Total Disability Benefit: In case of temporary total disability as a result of a car accident, Personal Accident Cover provides policyholders with a weekly or monthly payment to help cover the cost of living expenses and other related costs.

Medical Expense Benefit: In case of injury as a result of a car accident, Personal Accident Cover provides policyholders with reimbursement for medical expenses, including doctor visits, hospital stays, and other related costs.

Top Car Insurance Plans

Several good plans are available at a cost that will enhance your day.

Comprehensive plan Third party plan
bajaj-insurance

Bajaj Allianz

  • Starting at - ₹ 4100/-
  • 70% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

go-digit-general-insurance

Go Digit

  • Starting at - ₹ 4500/-
  • 70% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

liberty-ins

Liberty

  • Starting at - ₹ 4700/-
  • 70% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

magma-hdi-insurance

Magma HDI

  • Starting at - ₹ 4500/-
  • 70% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

new-india-assurance-insurance

New India Assurance

  • Starting at - ₹ 4000/-
  • 70% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

oriental-insurance

Oriental

  • Starting at - ₹ 4000/-
  • 70% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

reliance-insurance

Reliance

  • Starting at - ₹ 3800/-
  • 70% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

royal-sundaram-insurance

Royal Sundaram

  • Starting at - ₹ 3800/-
  • 70% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

icici-insurance

ICICI Lombard

  • Starting at - ₹ 3800/-
  • 70% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

bajaj-insurance

Bajaj Allianz

  • Starting at - ₹ 2471/-
  • 60% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

digit-insurance-india

Go Digit

  • Starting at - ₹ 2471/-
  • 60% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

liberty-general-insurance

Liberty

  • Starting at - ₹ 2471/-
  • 60% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

magma-hdi-insurance

Magma HDI

  • Starting at - ₹ 2471/-
  • 60% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

new-india-assurance-insurance

New India Assurance

  • Starting at - ₹ 2471/-
  • 60% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

oriental-insurance

Oriental

  • Starting at - ₹ 2471/-
  • 60% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

reliance-insurance

Reliance

  • Starting at - ₹ 2471/-
  • 60% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

royal-sundaram-insurance

Royal Sundaram

  • Starting at - ₹ 2471/-
  • 60% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

icici-insurance

SBI

  • Starting at - ₹ 2471/-
  • 60% discount
  • PA Cover - ₹ 15 Lakh
Get quotes

Coverage Options

Personal Accident Cover can typically be tailored to meet the specific needs of the policyholder. Coverage options may include:

  • Coverage for the policyholder and passengers in case of injury or death
  • Coverage for additional passengers, such as friends and family members
  • Coverage for multiple passengers

Advantages of Personal Accident Cover

Peace of Mind: Personal Accident Cover provides policyholders with peace of mind and protection, knowing that they and their passengers are financially protected in case of injury or death as a result of a car accident.

Coverage for Medical Expenses: Personal Accident Cover provides coverage for medical expenses, including doctor visits, hospital stays, and other related costs.

Coverage for Lost Income: Personal Accident Cover provides coverage for lost income in case of temporary total disability as a result of a car accident.

Comprehensive Protection: Personal Accident Cover provides comprehensive protection for policyholders and their passengers, including accidental death benefit, permanent total disability benefit, temporary total disability benefit, and medical expense benefit.

Disadvantages of Personal Accident Cover

Additional Cost: Personal Accident Cover is an optional add-on for car insurance, which means that policyholders will have to pay an additional premium for this type of coverage.

Limits and Exclusions: Personal Accident Cover may have limits and exclusions, such as a maximum amount of coverage or a maximum number of payments per year. Policyholders should carefully review the terms and conditions of their Personal Accident Cover to understand the limits and exclusions.

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