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Kshema Compulsory Personal Accident Policy

A Kshema product
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The Kshema Compulsory Personal Accident Policy offers financial protection to the registered owner-drivers of a vehicle in case of death or disability arising from an accident while driving their vehicle. 

  • Covers death and major injuries arising from accidents involving your vehicle
  • Compensation up to ₹15,00,000 based on the type of injury
  • Direct payout to you or your legal nominee
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Policy documents
Illustration showing Kshema compulsory personal accident policy related to insurance coverage

Why Choose Kshema Compulsory Personal Accident Policy?

Designed for Owner-Drivers

Coverage for accidents while driving, mounting, dismounting, or travelling in the insured vehicle or any other owned vehicle

Defined Compensation Scale

Covers death, permanent total disability, and loss of limbs or eyesight

Direct Benefit to Legal Heirs

Compensation is paid to the insured or their legal representatives.

Protect your assets from

Accidental Death
Accidental Death of the Owner-Operator
Loss-of-limbs-or-eyesight
Loss of limbs or eyesight
Permanent-total-disability
Permanent Total Disability

Policy Documents

1. Prospectus
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2. Proposal Form
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3. Policy Wordings
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4. Customer Information Sheet
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Frequently Asked Questions

1. How can I apply for the insurance?
You can apply through Kshema website/Kshema app from your registered mobile number
If you are using an Android mobile phone, go to the Play Store, type “Kshema app”, select and download to install. Register on the app.

A Kshema Compulsory Personal Accident (CPA) policy is a mandatory insurance policy for the owner-driver of a motor vehicle. It provides financial compensation in the event of:
• Death
• Permanent total disability
• Permanent partial disability

Kshema Compulsory Personal Accident Policy offer financial assistance if you experience death, injury, or disability due to an accident. With Kshema Compulsory Personal Accident Policy, you can maintain financial security even after an unexpected event.
Yes, it does. If you experience an accidental death, your dependents will receive the sum insured amount.
A Kshema Compulsory Personal Accident Policy Cover financially protects the owner-driver if they experience accidental injury or death while driving the insured vehicle.
This policy generally covers only the owner-driver of the insured vehicle. It may not extend coverage to other passengers or drivers.
If an accident occurs, you must promptly inform us by calling our 24-hour Customer Care on 1800 572 3013 or you can email us on customer.support@kshema.co, supply all required information and documentation, and adhere to the claims process detailed in your policy documents.
9. What is the maximum sum insured under this policy?
Maximum sum insured Rs 15,00,000 in case of death due to accidental injuries and up to 15,00,000 max caps in case of permanent disability.
Coverage under the policy is available for 1 year.
There is a no provision of Free-Look Period for this policy.
There is no provision of No-Claim Bonus for this policy.
There is No deductible applicable under this product.
There is no any age limit for this policy.
If an accident occurs, you must promptly inform us by calling our 24-hour Customer Care on 1800 572 3013 or you can email us on customer.support@kshema.co, supply all required information and documentation, and adhere to the claims process detailed in your policy documents.

You can pay your policy premium through debit & credit card issued by your bank, internet banking, wallet/cash card, EMI, UPI (GPay, PhonePe, Paytm, etc.), QR code. Please note, we do not accept payment through any club card or diners’ card.

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  • Coverage for personal accidents and hospital cash benefits.
  • Premiums calculated based on individual preferences and optional covers.
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