We are not aware of what is going to happen with us in the next 5 minutes. Life is full of unexpected incidents, and one of them is accidents; it can happen anytime, anywhere, without warning.

Personal Accident Insurance is here as a safeguard to protect your finances caused by accidents. If in an accident, you face injuries, disability, organ and limb loss, and death.

Personal accident insurance is a saviour for you and your family’s financial needs.

Personal accident insurance (2025) is one of those silent protectors most people overlook until it’s too late. It’s not just about you, it’s about your family, your responsibilities, and your peace of mind. If an accident were to take away your ability to earn or care for your loved ones, would they be financially secure?

5 Things You Must Know Before Buying a Personal Accident Insurance (2025)

If you are planning to buy personal accident insurance, first confirm whether you might have it already and you are unaware.

Let’s verify these points:

• Read Your Existing Health Insurance Policy: Many health insurance providers already give you personal accident insurance, and you are unaware of it.

• Ask Your Employer: Maybe you have been given accident insurance by your company. So, ask your employer about such a policy.

• Check if You Have Motor Insurance: Mostly motor insurance, especially in India, often provides accident insurance cover to the owner of the vehicle.

• Bank Related Insurance: If you have a salary account, debit card, or credit card. Your bank may have offered you an accident health insurance policy, so you must know that.

People often try to avoid these steps. But it’s recommended that you overlook. Take the time to review your policies, update your nominees’ information, and keep all your insurance documents in one place. Even in India, the IRDAI has even mandated a minimum level of personal accident cover in motor insurance policies, which is a step in the right direction.

Step-by-Step Guide: How to Buy Personal Accident Insurance in India

If you travel or commute a lot, drive your personal vehicle on a daily basis, you must have personal accident insurance in your coverage.

Personal accident insurance can be either an add-on to a life or general insurance policy, or it can be purchased as a standalone policy.

Many health insurance policies and motor insurance policies already include a basic level of personal accident coverage. You can also choose to purchase a separate personal accident insurance policy for more comprehensive coverage.

Let’s understand in detail

• Add-on Cover: You can add personal accident coverage to your existing life insurance or general insurance policy (like a car insurance). This adds an extra layer of financial protection in case of an accident.

• Standalone Policy: You can also purchase a separate personal accident insurance policy that provides dedicated coverage for accidents. This allows you to tailor the coverage to your specific needs and circumstances.

• Built-in Cover: Some health and motor insurance policies already include a basic level of personal accident coverage as part of the standard policy. This provides some level of financial protection, but it may not be as comprehensive as a standalone policy or an add-on.

• IRDAI Mandate: The Insurance Regulatory and Development Authority of India (IRDAI) has a standardized minimum limit of personal accident cover up to Rs. 15 lakh and mandates insurers to offer this cover on their motor insurance policies.

Get Your Personal Accident Insurance at Insurance Mart

At Insurance Mart, we help you decode your existing policies. Whether you already have personal accident insurance or you’re unsure about the coverage, our team will carefully review all your documents and let you know exactly what you’re protected against and what you might be missing.

We don’t just check for the presence of a policy; we assess whether it’s truly worth it or not in terms of coverage, claim benefits, and premium value.

So before you assume you’re covered, let’s take a closer look together. Peace of mind starts with knowing.