See all plans

Kshema Individual Personal Accident Policy

A Kshema product
sukriti-svg.svg
The Kshema Individual Personal Accident Policy provides financial protection in case of death or disability due to an accident, as per the policy terms and conditions.
  • 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

Get a quote
Policy documents
Illustration showing personal accident related to insurance coverage

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 Yourself and Your Family Members from

Accidental Death
Accidental Death
Permanent Total Disability
Temporary Total Disability
Illustration showing permanent partial disability related to insurance coverage
Permanent Partial Disability
Permanent-total-disability
Permanent Total Disability
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.

Policy Documents

1. Prospectus
View
2. Proposal Form
View
3. Policy Wordings
View
4. Customer Information Sheet
View
5. FAQ's
View

Frequently Asked Questions

1. What is Kshema Individual Personal Accident Insurance?
This policy is designed to cover loss of life and disabilities due to accident. Accidental Death, Permanent Partial Disability, Permanent Total Disability, Temporary Total Disability.

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 Disability.

Kshema Individual Personal Accident Policy offer financial help if you experience death, injury, or disability from an accident. Unexpected medical costs can be a huge financial challenge. With Kshema Individual Personal Accident Policy, you can stay financially secure, even after an unforeseen event.
No, Kshema Individual Personal Accident Policy only covers death occurring due to accidents or accidental injuries.
You can contact Kshema agent or our customer support or our company’s website for information on this product including whether it is available online, call insurer’s call centre or contact our office near to You.
You can pay your policy premium through via Cash, Cheque, UPI, Wallets, Credit Cards, Debit Cards, Net banking. Please note, we do not accept payment through any club card or diners’ card.
The premium for your Kshema Personal Accident insurance policy is influenced by various factors, including your occupation’s nature, income, age, and the number of individuals covered by the policy.
8. For how long does the Kshema Individual Personal Accident Policy cover?
The Policy period for this policy is one year.
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.
Looking for personalised recommendations to choose the best insurance solution that fits your needs?

Request a
callback now!

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