Kshema Individual Personal Accident Policy
A Kshema product
- 100% payout in case of accidental death
- Covers permanent and temporary disability
- Weekly benefit for temporary total disablement
Choose Your Plan
Plan A: Death only
Plan B: Death + Permanent Total Disability + Permanent Partial Disability
Plan C: Death + Permanent Total Disability + Permanent Partial Disability + Temporary Total Disability
Why Choose Kshema Individual Personal Accident Policy?
Defined Fixed Benefit Options
Choose from three base cover plans:
Plan A – Death only
Plan B – Death + Permanent Total Disability + Permanent Partial Disability
Plan C – Death + Permanent Total Disability + Permanent Partial Disability + Temporary Total Disability
Cumulative Bonus for No Claims
Sum Insured increases by 5% each claim-free year (up to 50%), subject to policy renewal without break.
Weekly Payout for Temporary Disablement
Receive 1% of the Sum Insured per week (up to 104 weeks) in case of temporary total disablement due to the accident.
Covers Post-Policy Incidents
Benefits are payable even if death or disability occurs after the policy period, provided the accident occurred during the policy period and the event takes place within 12 months from the date of accident.
Protect your business assets from
Important Notes
- Death or disability must occur within 12 months of the accident for which the claim is made.
- The same Sum Insured, including any Cumulative Bonus, applies across all selected benefits.
- Weekly benefits under Temporary Total Disability are subject to policy limits, duration caps and medical certification as specified in the policy terms.
Frequently Asked Questions
Insured has the option to select the coverages.
Coverage –
Plan A: Death only
Plan B: Death, Permanent Total Disability, Permanent Partial Disability.
Plan C: Death, Permanent Total Disability, Permanent Partial Disability and Temporary Total
No Waiting Period for Kshema Individual Personal Accident Policy
You must pay premium in advance. The insurance cover begins only after We receive Your premium.
Yes, it does. In the case that you suffer an accidental death, your dependents will get the sum insured amount.
Anyone can take this Policy with minimum entry age of 18 years and maximum entry age of at least 70 years.
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.
No, there is no any add on cover available for this policy.
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