Personal Accident Insurance

Accidents don’t give warnings. They happen suddenly and often at the most inconvenient times. A fall on the stairs, a road accident, a workplace injury, a slip at home, or any unexpected event can disrupt your life, health, and finances.

Personal Accident Insurance gives you a financial cushion during such moments. It ensures that if an accident causes injury, disability, or even death, you or your family receive immediate financial support.

At OneAssure, we simplify the entire experience for you. We help you understand what’s covered, compare multiple policies, choose the right plan, and support you during claims, without any confusion.

Personal Accident Insurance is a policy that protects you financially if you’re injured due to an accident. It pays a fixed amount based on the nature of the injury—whether it’s a fracture, a temporary disability, a permanent disability, or accidental death.

It covers situations like:

1. Road accidents
2. Slips and falls
3. Burns
4. Fractures
5. Loss of limbs
6. Loss of eyesight or hearing
7. Temporary or permanent disability
8. Accidental death

It does not cover natural illness, natural death, or disease-related issues. It focuses only on accidents.

Accidents are more common than we think. Even a simple fall can lead to fractures and weeks without work. A road accident can result in large medical expenses. Severe injuries may cause long-term income loss.

Here’s why this insurance is important:

1. Medical costs are rising

Fracture treatment, surgery, emergency care, and recovery can become expensive.

2. Income stops during recovery

If you can’t work for weeks or months, this policy offers financial support.

3. Protects your family

In case of accidental death or permanent disability, your family gets a financial payout.

4. Very affordable coverage

Premiums are low, making it accessible for everyone.

5. Suitable for all kinds of jobs

Especially useful for people who travel, work on-field, or do physical tasks.

6. Covers minor to major injuries

Even basic injuries like fractures are covered in many plans.

Accidents don’t just impact the body; they impact income, stability, and peace of mind. This policy helps you stay financially protected.

Most plans include:

1. Accidental death
2. Permanent total disability
3. Permanent partial disability
4. Temporary disability
5. Fractures
6. Burns
7. Ambulance charges
8. Hospitalization due to accidents
9. Income support
10. Child education benefit
11. Funeral expenses (depending on plan)

Common exclusions include:

1. Natural death
2. Illness or disease
3. Suicide or self-harm
4. Accidents caused by alcohol or drugs
5. War or civil unrest
6. Adventure sports, unless covered
7. Driving without a valid license
8. Pregnancy-related accidents

OneAssure explains exclusions clearly before you buy any plan.

A. Accidental Death or Disability Claims

1. Inform OneAssure and the insurer.
2. Submit an accident report, medical documents, and ID proof.
3. The insurer verifies the records.
4. Benefit is paid to the nominee or policyholder.

B. Injury, Fracture, or Income Benefit Claims

1. Report the incident.
2. Submit doctor reports, bills, and photos if needed.
3. Insurer reviews the details.
4. Payout is processed.

OneAssure guides you through every document and follow-up so your claim moves faster.

People choose OneAssure because the entire experience is simple, transparent, and supportive.

1. Clear explanations
2. Honest advice
3. Multiple plan comparisons
4. Smooth claim assistance
5. Quick responses
6. Ongoing support even after purchase

Our goal is to help you understand your policy, not confuse you with terms.

Keep these points in mind:

1. Choose a sum insured based on your income
2. Check disability payouts
3. Confirm income replacement benefits
4. Understand exclusions
5. Look for child education benefit
6. Make sure it covers your occupation risk
7. Choose a plan with strong claim support
8. Compare premiums and benefits

With OneAssure, you get simplified guidance for each point.

You can enhance your coverage with:

1. Hospital daily cash
2. Medical expenses rider
3. Travel accident cover
4. Child education support
5. Double benefit for severe accidental injuries
6. Support for home modifications after disability

These add-ons give extra protection at a small additional cost.