Cover for the unexpected, at home or away.
Compare personal accident and travel insurance from our partner insurers. A real advisor helps you choose, and stays with you at claim time.
- IRDAI Licence No. 1135Direct Broker (Life & General)
- [X]+ partner insurersCompare plans side by side
- Claim help from a real personWe follow up with the insurer
- Talk to an advisorCall +91 84700 67555
What is personal insurance?
Personal accident insurance pays a fixed benefit if an accident causes death or disability, and may pay medical costs from the accident, subject to the policy terms.
Travel insurance covers emergencies on a trip, such as medical treatment, delays, cancellations and lost baggage, for the dates you travel.
Find the right planTypes of personal plans
Pick one to compare quotesWhat's covered, and what isn't
Cover varies by plan. Always check the policy wording before you buy.
Usually covered
Up to your sum insured, subject to policy terms- Accidental deathA lump sum to your nominee
- Permanent disabilityTotal or partial, as per the policy
- Temporary disabilityA weekly benefit in many plans
- Accident medical costsTreatment after an accident, up to a limit
- Medical emergencies abroadTreatment while you travel
- Trip problemsDelays, cancellations, lost baggage
Usually not covered
Common exclusions across most plans- IllnessPersonal accident covers accidents only
- Self-inflicted injuriesAnd injuries from substance abuse
- IntoxicationAccidents under alcohol or drugs
- Adventure sportsUnless declared and covered
- Pre-existing conditionsOften excluded in travel plans
- Travel for treatmentTrips taken to get medical care
Get covered in four steps
- 1Tell us what to coverPick a plan and add your age, city and trip dates if you're travelling.
- 2Compare plansSee premium, cover and key terms from our partner insurers together.
- 3Share details & KYCAdd the details the insurer needs and complete KYC with your PAN.
- 4Get your policyYour advisor helps you finish, and the policy reaches your email.
How to make a claim
We help with every claim, from the first call to settlement.
Accident claim
A fixed benefit or medical costs after an accident- 1Tell the insurer as soon as possible after the accident
- 2Keep medical reports, bills and any police report
- 3Submit the claim form and documents; we check them with you
- 4The approved amount is paid to you or your nominee
Travel claim
For medical emergencies and trip problems- 1Call the insurer's assistance helpline during the emergency
- 2Keep bills, reports and proof such as airline letters
- 3Submit the claim with your tickets and passport details
- 4Approved costs are settled with the hospital or paid to you
Some visas need travel cover
Some countries ask for travel medical insurance as part of a visa application. Check the embassy's rules for the cover they need.
An advisor can help you find a plan that meets the stated requirement.
Our general insurance partners
See all partners- ICICI Lombard
Products and availability vary by insurer.
Personal insurance FAQs
How is personal accident cover different from health insurance?
Health insurance pays hospital bills for illness and injury. Personal accident cover pays a fixed benefit for accidental death or disability, whatever your medical bills are.
Does a personal accident plan cover me everywhere?
Many plans cover accidents anywhere in the world, but some limit the area. Check the policy wording.
When should I buy travel insurance?
Before you leave, ideally when you book, so that cover for trip cancellation starts early.
Does travel insurance cover pre-existing illnesses?
Most travel plans exclude them or cover only life-threatening emergencies. Declare any condition when you buy.
Who can I add to a travel policy?
Many insurers offer individual, family and senior citizen travel plans, and multi-trip plans for frequent travellers.