Personal Accident Cover for Car Insurance

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Home / Motor Insurance / Car Insurance / Personal Accident Cover - Protection against car accidents at fingertips

Personal Accident Cover Online

Name: Personal Accident Cover
Brand: HDFC ERGO
Rating: 4.4 (158678 reviews)

Third party car insurance is required by law, and most automobile owners are aware of this. Nonetheless, there is a compulsory PA cover for owner driver that must be purchased together with the policy. Before January 2019, mandatory PA coverage was included with an automobile insurance policy. However, it is now optional if you already hold a personal accident policy or another vehicle insurance policy that includes a personal accident policy.

What is Personal Accident Insurance?

Personal accident insurance policy offers protection to the insured against injuries, death, or disability due to accidents. Driving a vehicle can pose a lot of potential risks, either due to a mishap or someone else's mistake. Personal accident cover will compensate the insured and their loved ones in the event of an unforeseen road accident. And it is particularly useful for people who spend a considerable amount of time travelling for work.

Who Can be Eligible to Buy Personal Accident Cover

The compulsory personal accident cover is for anyone who owns a car. Since it is a mandatory statutory requirement, if you own a car, you must also have a personal accident cover. Otherwise, to opt for a personal accident cover in car insurance you must be 18 years of age or older. And the maximum coverage age for the policy is 70 years.

Features of Personal Accident Cover

Here is a quick look at the features of an individual personal accident policy.

Feature on offer	Details
Accidental death of insured	Covered
Disability of the insured due to an accident	Covered
Burns due to an accident	Covered
Broken bones	Covered
Sum insured	Rs. 15 Lakhs

Benefits of Personal Accident Cover

There are a lot of uncertainties while driving on the road. Someone might be dodging an animal and swerve and cause an accident, while someone else might just be unmindful or distracted, resulting in an accident. There is hardly any that a person can have on such occurrences. However, a PA cover for owner driver is a sensible way to protect yourself. Here are the benefits of PA cover in car insurance.

1. Offers financial support to the insured if they meet with an accident, resulting in disability.

2. Offers financial support to the insured for medical expenses such as treatment, hospital bills, and medications.

3. PA cover offers financial support to the nominees of the policy or the surviving members of the family if the insured loses their life during an accident.

Types of Personal Accident Cover

There are two different types of PA cover in insurance, and they are:

Individual personal accident policy

The policy covers injuries such as loss of limbs, loss of sight, and demise of an individual during an accident. And is available with a car insurance policy.

Group personal accident policy

Group personal accident policies are basic accidental policies that are usually employer-sponsored for their employees. Employers mostly get the policy at discounted prices due, provided they have considerable employee strength.

Personal Accident compensation for Owner-Driver

Owner driver personal accident cover is set at a maximum sum insured of Rs. 15 lakhs. And in accidental cases, the compensation will be paid out to the insured or the nominees of the policy. Here is the compensation structure of a PA cover for owner driver.

Type of injury	Compensation
Loss of eyesight in one eye or loss of one limb	50%
Loss of eyesight in both eyes or loss of both limbs	100%
Permanent disability due to the accident	100%
Death of the insured	100%

Is It Mandatory to Have a Personal Accident Cover?

The original Motor Vehicle Act of 1988 did not mention compulsory PA cover for owner driver. However, the PA co ver mandate was later added as an amendment. And it was added with the intent of providing compensation to the family of the deceased or offering compensation in case of disability or injuries.

Yet another amendment in January 2019 tweaked the rules for getting compulsory personal accident cover a bit. For either of the following conditions, you can choose to skip the compulsory personal accident cover.

1. If you already have an existing life insurance policy with a coverage of Rs. 15 lakhs or more.

2. If you already have purchased owner driver PA cover for any of your other existing vehicles.

If neither of the above conditions are met, you can opt for car insurance personal accident cover and receive coverage of Rs. 15 lakhs.

What is covered and not covered?

Personal accident cover in car insurance offers the following inclusions and exclusions.

What is Covered?
What is not Covered?

Full Compensation

100% compensation to the nominee of the policy on the demise of the owner-driver.

Lump Sum Payment

The nominee of the policy receives a lump sum payment of the compensation.

Compensation on
Amputation

100% compensation to the owner-driver on the loss of both limbs, eyesight of both eyes, and loss of eyesight on one eye and one limb.

Insured Driving
the Car

Personal accident cover applies when the insured is driving or is mounting or dismounting the car.

Loss of Eyesight
During Accident

50% compensation to the owner-driver on the loss of eyesight of one eye or loss of one limb.

Permanent Disability

100% compensation to the owner-driver in the case of permanent disability.

Other Drivers

The personal accident cover does not apply if the insured is not driving the car.

Accident Due to
Illegal Substance Intake

Disability or the death of the insured while they are under the influence of alcohol or intoxicating substances.

Driving Without
Driving Licence

The coverage is not valid if the owner-driver does not hold a valid driving licence.

Do we Need to Buy Personal Accident Cover More than Once?

No, there is no need to buy PA cover more than once. Prior to January 2019, personal accident insurance cover was bundled with a car insurance policy.

Earlier, if you owned two cars and bought two car insurance policies, you would end up buying PA cover twice. This resulted in car owners having more than one personal accident insurance policy and it came at a cost.

However, that is not the case anymore. Personal accident policy is now unbundled from a car insurance policy. If you already have coverage, you can skip the policy.

Why choose HDFC ERGO

1. A trusted name in the insurance industry with more than 1.5 crore happy customers.

2. Get access to unparalleled 24/7 customer support.

3. More than 16 years of experience in catering to customers and curating plans for everyone.

4. Get access to the best accidental insurance policy.

5. Seamless settlement of claims and utmost transparency.

6. Association with a brand that has won several awards for customer experience, world-class service, for smooth claims, and even the best private insurance company.

Personal Accident Policy Claim Eligibility

To file a claim for personal accident insurance cover, you must:

1. possess a valid driving license.

2. must not be driving under the influence of any intoxicating substances or alcohol.

3. must have a valid insurance policy.

Documents Required to Make a Claim

To claim your personal accident policy, you will need to submit the following documents. These documents will pave the way for a smooth claims process.

1. Duly filled out claims form

2. Death certificate of the owner-driver

3. Certificate of disability from a doctor

4. Driving licence of the owner-driver

5. Registration certificate of the car

6. Hospital investigation report

7. Hospital discharge summary

8. FIR

9. Post-mortem report

10. Bills for medicines

11. KYC form and KYC documents

Claim process

The best accidental insurance plan offers you access to both cashless and reimbursement as the mode of payment, as provided by HDFC ERGO. You must follow these steps for claiming personal accident policy.

Cashless

1. Inform HDFC ERGO about the hospitalisation within 48 hours.

2. Share the details of the personal accident insurance policy at the insurance desk of the hospital.

3. Fill out the pre-authorisation form at the hospital.

4. Informing HDFC ERGO about the form will expedite the process.

5. Usually, within two hours the application will be reviewed, and you will receive information via SMS and email.

6. You can check the status of your personal accident cover claim online.

Reimbursement

1. Reimbursement can be availed if you visit any hospital that is not part of HDFC ERGOs network hospitals.

2. You must inform HDFC within 2 days of emergency admission about the hospitalisation.

3. Submit all the documents for pa cover for owner driver within 15 days from discharge.

4. Once all the documents are reviewed, HDFC will inform you about the approval or rejection of the claim.

5. On approval, the amount will be transferred to the account details submitted by you via NEFT.

6. On rejection, you will receive an email and SMS about the claim rejection.

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GAUTAM HUKKU

PRIVATE CAR COMPREHENSIVE POLICY

13 Sep 2022

TAMIL NADU

It was a great experience. I could have got cheated by the local service provider but your confirmation of the exact amount credited to the service center helped me debate and get the full credit of the amount approved. I paid the balance and got my car picked up. A big thank you for transparency and promptness.

Prateek Benjamin

Private Car Comprehensive Policy

18 May 2022

Delhi

I am much impressed by your call centre executives' excellent talk and gracious behaviour. The way they attended my call, guided me on the phone and helped me get my vehicle insured deserves appreciation and gratitude.

Vipin rai

Private Car Comprehensive Policy

16 May 2022

Gurgaon

Your team has cleared my doubts and helped to select the best package for my vehicle. Remarkable job by your call centre team. Keep up the excellent work.