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All You Need to Know About Personal Accident Cover

10 October, 2025

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What is personal accident cover?

It is common nowadays for your insurance provider to give you the option of add-ons. All you need to do is ask your insurance provider for the same while buying/renewing your policy.

What is the benefit of a personal accident cover?

Health insurance plans have the potential to cover a lot of eventualities, but a personal accident cover will definitely double your assurance by taking care of your loved ones in case of a death or disability due to an accident.

This benefit can also help you out in cases of permanent disability caused due to an accident. For instance, Niva Bupa's personal accident cover optional benefit provides coverage in case of permanent total and permanent partial disability. It is also great for those whose budget isn’t very large, and can’t afford a health insurance plan as well as a life insurance policy.

Why do you need a personal accident cover?

As per WHO’s Global Status Report on road safety in 2018, there were an estimated 299,901 deaths related to road accidents in India in 2016. When contrasted with the entire continent of Africa, which had an estimated number of 246,719 deaths total, we can see how this is a big problem. Whether you commute on a motorcycle or a car, we all should consider adding a personal accident cover to our health insurance plan.

Can the personal accident cover be added to any kind of policy?

The personal accident cover is available with certain specially curated plans. Hence, you must consult your insurance provider before selecting a policy.

However, keep in mind that you will need to read the fine print for cases in which you can’t access the benefit. For example- if the death of the insured occurs due to high-risk activities such as adventure sports/motorsports. You might also find age limits attached to this personal accident cover. It is a good idea to read the policy wordings thoroughly before picking your rider.

Lastly, what you really purchase with a personal accident cover is peace of mind for yourself and your loved ones by securing their future in case of any mishappenings.

To know more about this rider, head on over to https://www.nivabupa.com

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