₹1 crore of accident cover for roughly ₹500–1,000 a month. If you commute, drive, or are the earning member — this is a no-brainer add-on to your term plan.
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📅 Book a Free Call 💬 WhatsApp Us| Event | Typical payout |
|---|---|
| Accidental death | 100% of sum assured |
| Permanent total disability | 100% |
| Permanent partial disability | Per disability schedule (e.g., 50% for one eye) |
| Temporary total disability | Weekly income benefit for up to ~100 weeks |
Very little — ₹1 crore cover costs roughly ₹6,000–12,000/year for office workers. Hazardous occupations pay more.
Yes. Term insurance pays your family if you die (any cause). PA cover additionally pays YOU for disabilities from accidents — the scenario term plans don't cover.
Yes — that's its main strength: lump sums for permanent disability and weekly benefits for temporary disability, per the policy's disability schedule.
Ideally yes — they're complements. Term protects against death; PA protects against the financially worse outcome of surviving with a disability and no income.
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