Tata AIG
Accident Guard
₹2,850/yr · ₹25 L cover
- Claim ratio
- 96.1%
- Disability income
- 104 weeks TTD
- AD + PTD + PPD included
- TTD weekly income: ₹5,000/wk
- Education grant for 2 children
Personal accidentA safety net for when
A safety net for when
the unexpected changes everything.
Accidents don't wait for a good time. A ₹25 L personal accident plan pays your family on death, funds your recovery on disability, and replaces your income while you can't work. Starts at ₹399/yr.
14+
Insurers on panel
₹399
Starting premium / yr
96%
Claims paid (avg)
What a standard PA plan covers
Accidental death
100% SA
Permanent total disability
100% SA
Permanent partial disability
Schedule
Temporary total disability
Weekly pay
Hospital cash benefit
Per day
Ambulance charges
Fixed sum
Cover shapes
Pick the right shape of PA cover.
Different roles and life stages need different shapes of accident cover. We compare them all.
Most bought
Individual PA
Lump-sum on accidental death or permanent disability.
Anyone with dependents
from ₹399/yr
Income replacement
Weekly payout if you can't work after an accident.
Self-employed & earners
from ₹680/yr
Group PA
Employer-sponsored cover for teams of 10 or more.
Small businesses + corporates
from ₹280/yr
Student PA
Accident cover tailored for students on campus + travel.
Students aged 5–25
from ₹199/yr
Top picks
Featured individual PA plans.
Three standouts for a Class I professional · age 30 · ₹25L cover. Prices recomputed live at quote.
Best value
Bajaj Allianz
Personal Guard
₹3,400/yr · ₹25 L cover
- Claim ratio
- 94.8%
- Disability income
- 104 weeks TTD
- Hospital cash ₹1,500/day
- Ambulance benefit
- Terrorism + riot covered
HDFC ERGO
My: Protect – PA
₹4,100/yr · ₹25 L cover
- Claim ratio
- 95.4%
- Disability income
- 156 weeks TTD
- Fracture benefit rider
- Broken bones cover
- Worldwide 24×7 cover
Common questions.
What is the difference between accidental death and permanent disability?
Accidental death pays 100% of sum insured to your nominee if you die due to an accident. Permanent total disability (PTD) pays 100% if you lose two limbs, both eyes, or become completely incapacitated. Permanent partial disability (PPD) pays a proportion based on the IRDAI benefit schedule.
Is PA insurance the same as term life?
No. Term life covers death from any cause — illness, accident, or otherwise. PA covers only accidents. PA is cheaper and wider for disability, but does not pay out on natural death or illness.
What is the IRDAI occupation class system?
IRDAI groups jobs into 4 risk classes. Class I covers desk workers (safest). Class II covers light field roles. Class III covers construction, drivers, and factory workers. Class IV covers miners, explosive handlers, and similar high-risk professions. Higher risk class = higher premium.
Does PA insurance cover me abroad?
Most standard plans include worldwide cover as standard. Check if there are exclusions for adventure sports, war zones, or countries under government travel advisories.
Don't leave your income unprotected.
45 seconds of questions, 14 insurers, worldwide cover. Starts at ₹399/yr for Class I.
Get my PA plans