Personal Accident Insurance Insurance (Individual)

Passionate – Dedicated – Professional

Personal Accident Insurance Insurance (Individual)

24×7 worldwide coverage for accidental death, permanent disability, temporary disability, and medical expenses from accidents during work, travel, or personal time.

Coverage Options

Coverage Territory & Sum Insured

Coverage Territory: Worldwide, 24 hours a day, 7 days a week Sum

Assured Options: ₹5 lakhs to ₹1 crore Premium: Very affordable compared to life insurance

Who Should Purchase

Self-employed individuals
Sole breadwinners
Frequent travelers
High-risk occupation professionals
Anyone wanting additional accident protection beyond life insurance

Coverage Inclusions:

Accidental Death (AD): 100% sum assured to nominee
Permanent Total Disability (PTD): 100% for loss of both eyes, both limbs, total paralysis
Permanent Partial Disability (PPD): Percentage-based on disability scale
Temporary Total Disability (TTD): Weekly compensation while unable to work (up to 100 weeks)
Medical Expenses: Hospitalization, surgery, doctor fees due to accident (₹25,000 to ₹2 lakhs)
Ambulance Charges
Transportation of Mortal Remains
Funeral Expenses
Education Benefit for Children: In case of AD/PTD of breadwinner
Modification Expenses: Home/vehicle adaptation for disabled person

Key Exclusions:

Suicide or self-inflicted injuries
Accidents under influence of alcohol/drugs
War and terrorism (unless specifically covered)
Pre-existing illness complications
Adventure sports (unless add-on purchased)

Passionate – Dedicated – Professional

what people are saying

Hear what our valued clients have to say about their experience with BP Risk.

Excellent service for my family’s health insurance and term plan. They explained everything clearly and helped me choose the right coverage.

Priya Sharma – Retail Client

Made buying home insurance so simple. Great support during claim settlement too. Highly recommend for individual insurance needs.

Deepak Verma – Retail Client – Kolkata