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Personal Accident Insurance


Reliance Personal Accident Insurance Plan 
of medical expenses
5% increase
in sum insured*

​ ​

​​​​​​​​​​​​​We all have heard this saying - it’s better to be safe than sorry! It takes less than a minute for an accident to turn your life upside down. Thankfully, Reliance's Personal Accident policy is there for you! It reimburses your medical expenses and provides compensation in case of disability or death caused by accidents.​​​ ​​​​​

​​​What is Personal Accident Insurance? 

Have​ you ever wondered what would happen if you suffered from an accident or injury that affecteds your ability to work? That could happen to anyone If the unthinkable ever happens to you a Personal Accident Insurance offers financial compensation in such an event where bodily injuries due to accidents lead to total/partial disability or death. This policy ensures the financial stability of an individual and his family if he/she gets injured or unfortunately ​dies in an accident.

Features & Benefits offered by Reliance Personal Accident Insurance –​

​Key Features​
​Benefits By Reliance General​

Sum Insured (in ₹)

5 - 20 lakhs, as per eligibility

Policy Type


Cumulative Bonus

5% increase in Sum Insured with each claim free year**​

Accidental Death & Permanent Disability



Zero, Online Policy Purchase

Worldwide Coverage


Claim Settlement Ratio

100%* Claims Settled

**For each claim-free year, subject to a max of 50%

*For FY21-22​​

Who Should Buy Personal Accident Insurance? 

Personal Accident Insurance is essential for everyone, irrespective of their age, occupation, and health. You should ideally buy this plan as soon as you start working. Even after taking extensive precautions, accidents do occur. This may result in disablement or loss of limbs or sometimes even death. In that case, a personal accident insurance policy proves to be a savior. The premium of a personal accident cover depends on the occupation you are in.

Mentioned in the list below are three categories under which occupational risks can be segmented.

​​​​​Low Risk
High Risk​Very High
Teachers​Cash carrying employeesJournalists
LawyersBuilders, contractors & engineers engaged in superintending
​functions only
​A worker at
BankersGarage & motor mechanicsMountaineer​s​

 Benefits of owning a Personal Accident Insurance Policy 

Nobody wants to get into an accident, but it’s an unfortunate reality for a lot of people every year; While you can’t plan for the when and where you can surely financially prepare yourself against the trauma of the event.

When a major car wreck happens, or a simply trip and injure yourself, that's when you realize the advantage of having a personal accident cover. Moreover, the number of vehicles is increasing exponentially in India,so the chances of meeting a road accident has increased. As we've already mentioned earlier, it's always better to be safe than sorry; so we advise you to buy a personal accident insurance policy to get a financial cushion against such mishaps.

To give you a better understanding of a Personal Accident Insurance, we have listed down a few advantages of having a personal accident cover.

  • Family security
  • Worldwide coverage
  • ​No requirement of medical tests and documentation
  • Substantial coverage at low premium
  • Reimbursement of medical expenses
  • Education fund for children
  • Easy and hassle-free claim process

What is the Importance of Personal Accident Insurance? 

You'll be glad for having personal accident insurance as it will have you completely covered for the times when you get into an unexpected accident and cause injury to yourself. Let's take a look at why it is important to get a personal accident cover.

Accidental Death Benefit: 

This benefit comes with a compensation of 100% sum insured to the nominee in case of accidental death of the Insured Person. It is like the basic protection that comes with the policy and makes sure that your family is stable for a while after you. The nominee would be the legal heir of the person.

Permanent Total Disability Benefits: 

This benefit covers injuries and permanent disabilities that will restrict you from engaging in any occupation again. This total disability could be the loss of both the eyes or physical separation of limbs, which not only leads you into mental trauma, but the financial darkness can cause big trouble. Here the insurance makes sure that the person is covered.

Child Education Benefit: ​

In case of accidental death or permanent total disability of the Insured person insurance coverage does cover the education expenses of the dependent children.

Family Security: 

The accidental cover provides complete financial protection to the families. Thus, it provides great support to the family and gives them some time to recover from the losses.

Why Should You Choose Personal Accident Cover by Reliance?​

Reliance is a reputed insurance provider with more than 10,0​0​0+​ network hospitals the treatment could take place at any network hospital free of cost instantly. With a lot of things go​ing online, Reliance also has switched to online methods. Many of the polices are now provided online. Also, you can answer to all your queries regarding the policy online.  

The key features of the policy given by the Reliance General ​Insurance are - 

Zero paperwork: 

The process has now been made easier and is completely hassle-free with zero involvement of paperwork.


​All the expenses and hospitalization costs are reimbursed to the person, in case of death, the nominee is given 100% sun insured.

World Wide coverage: 

The policy has worldwide and round the clock insurance protection.

Cumulative Bonus

For each claim-free year, there is an advantage and you can get a 5% increase in the capital sum insured for each completed and continuous policy year, subject to a maximum of 50%. 


With a big team, a support person from Reliance General Insurance will always be available to help you on a call or chat as per your preference and all the doubts regarding insurance will be resolved immediately. The support team is professional and will also guide you through the process in case you want to file a claim. 


The policy could be renewed anytime from any place with easy renewal methods. 

What Does This Personal Accident Insurance Policy Cover? 

Even if you are extremely cautious on the roads, your safety is not guaranteed. At Reliance General Insurance, we endeavour to provide you with the best possible personal accident insurance cover for you.

  • 100% of the sum insured on the accidental death of the insured person
  • Permanent Total Disability:
    • 100% payment of the sum insured on permanent total disablement
    • 100% payment of the sum insured in the event of loss of two limbs/two eyes or one limb and one eye
    • 50% payment of the sum insured in the event of loss of one limb or one eye
  • A specified percentage of the sum insured will be paid in case of permanent partial disability
  • This personal accidental insurance policy also has some value-added benefits
  • Carriage of mortal remains
    • A lump sum of 2% ​of capital sum insured or Rs.2,500 whichever is less will be paid for transportation in the event of accidental death of the insured person outside the residence
  • Medical Expenses Extension:
    • Personal Accident Insurance Policy can be extended to cover medical expenses on the payment of extra premium.
    • Get benefits up to 40% of the compensation paid in settlement of a valid claim under the policy or 20% of the relevant sum insured or actuals, whichever is less.​​
​ ​

What Does This Personal Accident Insurance Policy Not Cover? 

We have tried to cover all the scenarios that may occur after an accident, but it is quite impossible to cover all of them. This personal accident insurance 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 (not under the influence of intoxicating liquor or drugs)

Apart from the personal accident policy cover, Reliance also offers a variety of health insurance plans like family mediclaim policy, health insurance for senior citizens and cashless health insurance cover​.​​​

​How to Claim Personal Accident Insurance?

In the event of accident or injury which has resulted in a Claim or may result in a Claim covered under the Policy, the Policyholder/ Insured Person / legal heir must notify the Company either at the call center or in writing immediately.

In case of death, written notice of the death must, unless reasonable cause is shown, be so given before internment/cremation, and in any case, within one calendar month after the death, and in the event of loss of sight or amputation of a limb(s), written notice thereof must be given within one calendar month after such loss of sight or amputation.

The following details are to be provided to the Company at the time of intimation of Claim:

1. Policy Number

2. Name of the policy holder

3. Name of the Insured Person in ​whose relation the Claim is being lodged

4. Nature of accident/injury​

5. Name and address of the attending Medical Practitioner and Hospital

6. Date of accident

7. Any other information as requested by the Company

The Policyholder / Insured Person /Nominee /Legal Heir shall submit to the Company the following documents for or in support of the Claim:

1. Death Certificate ( in case of Death Claim)

2. Disability Certificate ( in case of Disability Claim) 

3. Duly completed and signed Claim Form, in original

4. Medical Practitioner's referral letter advising Hospitalization

5. Medical Practitioner's prescription advising drugs / diagnostic tests / consultation 

6. Original bills, receipts, and discharge card from the Hospital / Medical Practitioner

7. First Information Report/ Final Police Report 

8. Post mortem report, if available

9​. Any other document as required by the Company to assess the Claim

Claims shall not be admissible under this policy unless the company has been provided with the complete documentation/information which the Company has requested to establish its liability for the claim, its circumstances, and its quantum unless the Policyholder / Insured Person has complied with the obligations under this Policy.

Get the best​ health insurance from ​Reliance and stay financially secured at all times!​

Click here to read the policy wordings to know more about the exclusions of Personal Accident Insurance

*T&C apply. For more details on risk factors,​ ​terms conditions, brochure and exclusions, please read the policy wording ​carefully before concluding a ​sale. The details mentioned above are for ​Personal Accident Policy. UIN-RELPAIP01002V010001.

Personal Accident Insurance FAQ

Personal Accident Insurance Reviews and Ratings

Average Rating:

4.9(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