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Personal Accident Insurance

Existing policy with Reliance?

Personal Accident Insurance


Reliance Individual Personal Accident Insurance
​5% increase
​in sum insured​* ​​​
Hassle free
for medical expenses​
​​​​​​​​​​​​​​An accident can occur out of nowhere and are as unpredictable and unforeseen as possible. An accident takes less than a minute to turn your life upside down. Thankfully, there is Reliance Personal Accident Insurance policy to ensure your financial security in India! 

​ You can buy your policy online through our various payment options like UPI, Net Banking, Debit/Credit card etc available for your convenience​

Apart from the personal accident policy, Reliance also offers family mediclaim policy, health insurance for senior citizens and also provides cashless health insurance cover​.​

* Increase will be in capital sum insured ( in case of Death and Permanent Total Disability) for every claim free year of insurance, subject to a maximum of 50%). Details are for the product- Personal Accident.

What do we cover​

Accidental Death

100 per cent of the sum insured on accidental death of the insured person

Permanent Total Disability

100 per cent payment of sum insured on permanent total disablement

100 per cent payment of sum insured in the event of loss of two limbs/ two eyes or one limb and one eye

50 per cent payment of sum insured in the event of loss of one limb or one eye

Permanent Partial Disability

Specified percentage of the sum insured will be paid in case of permanent partial disability

​​Additional Coverage/Features

This personal accidental insurance​ policy also has some value added benefits -
 Carriage of Mortal Remains​

A lump sum of two per cent of capital insured will be paid for transportation in the event of accidental death outside the residence (subject to maximum of Rs. 2,500).

Medical Expenses Extension

Accident Insurance Policy can be extended to cover medical expenses on the payment of extra premium.

Get benefit up to 40 per cent of the compensation paid in settlement of a valid claim under the policy or 20 per cent of the relevant sum insured or actuals,​ ​whichever is less.​

Off duty and On–duty cover
 The employer, for a reduced premium, can choose an only on-duty or alternatively, only off-duty cover. 

What we don't cover​


​The accident policy does not cover the following:

  • Compensation under more than one clause for same period of disability
  • Any claim in the same period of insurance exceeding the capital sum insured
  • Payment of compensation due to death or disablement arising out of
    • -Suicide, attempted suicide etc.
    • -Pregnancy and/or childbirth
    • -War and nuclear perils
    • -​Ionizing radiation or radioactivity
  • HIV / AIDS / or death due to any disease
  • Natural death

Personal Accident Insurance FAQ

Personal Accident Insurance Reviews and Ratings

Average Rating:

4.4(Based on 11 ratings)

Showing 10 reviews

  • “accidental insurance taken”

    A friend of mine suggested me to buy personal accident insurance from reliance as I ride my bike daily for various works

    Dinesh G19 February 2018, Mumbai
  • “Good product!”

    Great product gives complete coverage overall

    Sandeep Jaiswal30 November 2016, Ghatkopar
  • “Personal accident policy with zero inconvenience”

    The Reliance team members were really co-operative and helpful, I got my personal accident policy with zero inconvenience.

    Sahil Bharath30 November 2016, Dadar
  • “Good assistance”

    Good service. The call centre team gave a detailed information about the product and assisted us throughout the entire process on purchasing the accident insurance.

    Tejeshwar Gupta29 November 2016, Airoli
  • “Thanks for helping”

    Appreciated the efforts taken by your web team in helping me choose the right personal accident insurance policy. Thanks a lot.

    Avnish S29 November 2016, Kopar Khairane
  • “Overall a good experience”

    Purchased a personal accident policy on 15th November. Got a good price and the team was very helpful. Overall a good experience.

    Vikas D29 November 2016, Lokhandwala
  • “Good assistance in buying a personal accident policy”

    Good assistance in buying a personal accident policy. Even after buying, they answered all my queries and helped me get the status of my policy quickly.

    Sahil J29 November 2016, Mumbai
  • “Very satisfied with Reliance General”

    The accident cover was very much in my budget and fulfilled my expectations. The service was swift. Very satisfied with Reliance General.

    Tausif K29 November 2016, Jogeshwari
  • “Assistance and information provided on the website is sufficient”

    Did not even need the assistance of an agent. The assistance and information provided on the website is sufficient to make a purchase of accidental insurance policy

    Rahul S28 November 2016, Thane
  • “Call centre team made the entire process easy”

    The team is well versed with all their products. They took time out and explained all the details of the policy, helped me in understanding which product would I require and made the entire process easy.

    Satish K28 November 2016, Mumbai Central
  • See all reviews