Personal Accident Insurance provides financial support if an accident leads to death, permanent disability, or temporary disability — covering medical costs and lost income when you need it most. CoreLink Finance helps you compare personal accident plans and pick the right cover for your lifestyle.
Pays for income loss and disability — gaps that a standard health policy typically doesn't cover.
Receive a lump sum for death or permanent disability, or a weekly benefit for temporary disability.
Personal accident cover is one of the most inexpensive ways to protect your income against accidents.
Personal Accident Insurance is a policy that provides a financial payout if you suffer death, permanent total or partial disability, or temporary disability as a result of an accident. Unlike health insurance, it isn't about treatment costs alone — it's about replacing the income and support you or your family lose when an accident disrupts your ability to work.
The policy typically pays a lump sum equal to the full sum insured on accidental death or permanent total disability, a proportionate amount for permanent partial disability based on the nature of the injury, and a weekly benefit during a period of temporary total disability.
Because accidents can happen anywhere — at home, on the road, or at work — personal accident cover is a low-cost way to add a layer of financial protection that complements your life and health insurance, subject to policy terms and exclusions.
The full sum insured is paid to your nominee if an accident results in death.
A lump sum is paid if an accident leaves you permanently and totally disabled.
A proportionate payout is made for specific injuries like loss of a limb or eyesight.
A weekly benefit is paid during the period you're unable to work due to the accident.
Most plans cover accidents anywhere in the world, not just in India.
Cover applies round the clock, whether the accident happens at work, home, or while travelling.
One of the most cost-effective ways to secure a high sum insured.
Enhance cover with riders like education benefit for children or hospital cash.
| Sum Insured | Office / Desk Job | Field / Travel-Heavy | Manual / Physical Work |
|---|---|---|---|
| 25 Lakhs | ₹1,200 – 1,700 | ₹1,800 – 2,500 | ₹2,800 – 3,800 |
| 50 Lakhs | ₹2,300 – 3,200 | ₹3,400 – 4,700 | ₹5,200 – 7,000 |
| 1 Crore | ₹4,300 – 5,900 | ₹6,300 – 8,600 | ₹9,600 – 13,000 |
*Indicative figures for a sample profile. Actual premiums depend on occupation, age, sum insured, and insurer. GST applicable as per prevailing rates.
At CoreLink Finance, we don't just help you buy a policy — we actively support you through the claim process by coordinating with the insurer, guiding documentation, and following up for a smooth experience.
We help you choose the right insurer and policy based on claim settlement ratio, reliability, and your profile.
Before policy issuance, we ensure all your personal, financial, and medical details are accurate and properly declared.
We guide you in filling out proposal forms correctly, so no hidden or incorrect information gets submitted.
In case of a claim, you get a personal claim expert who handles the process — from documentation to settlement.
We actively coordinate and follow up with insurers to ensure quick and smooth claim processing.
Our team checks all documents before submission to avoid technical errors that often lead to delays or rejection.
Follow these steps to ensure your claim is processed smoothly after an accident.
Notify the insurer as soon as possible after the accident occurs, within the policy's specified time frame.
For road accidents or serious incidents, file a police report — it's often required to support the claim.
Ensure the treating doctor documents the injury, disability percentage, and treatment clearly.
Accurately state your occupation at purchase, as high-risk jobs can affect claims if misdeclared.
File the claim with all required documents within the window specified in your policy.
Ensure your nominee's details are accurate and updated after any major life change.
Personal accident cover suits anyone who wants income protection against accidents. Consider this if you are:
Someone who travels frequently for work or commutes long distances
A family's primary earner wanting income protection beyond life insurance
Working in a field or physically demanding role with higher accident risk
Relying only on an employer accident cover that ends if you change jobs
A two-wheeler rider or someone who drives regularly
Looking for affordable, high-value income protection
Talk to CoreLink Finance for honest, no-obligation guidance on the right personal accident cover for you.
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