Accidents are unfortunate and unplanned events that can lead to severe financial and emotional distress. Personal Accident Insurance from Harlalka Insurance provides you and your family with a financial cushion in case of accidental death, permanent total disability, or temporary disability. It ensures that your earning capacity is protected even when you are unable to work due to an injury.
Why Personal Accident Cover?
While health insurance covers medical bills, personal accident insurance provides a lump sum benefit to manage life after a major accident.
Death & Disability Cover
Lump sum payment to nominees in case of death or to the insured for permanent disability.
Weekly Compensation
Financial support for temporary total disability to compensate for loss of income.
- Worldwide coverage, protecting you even while traveling.
- Education benefit for children in case of accidental death of parent.
- Reimbursement of medical expenses following an accident.
Commitment to Your Well-being
We offer plans that are easy to understand and provide the highest level of transparency in terms of what is covered and what is not.
Empathetic Claims Handling
Our claims team handles every accident claim with sensitivity and speed.
We ensure that the necessary documentation is processed quickly so that the funds reach you or your family when needed most.
- Assistance with medical reports and disability certificates.
- Help with nominee documentation for accidental death claims.
- Direct and transparent communication throughout the claim journey.
Frequently Asked Questions
Common queries regarding Personal Accident insurance.
Yes, our Personal Accident plans typically provide worldwide coverage, ensuring you are protected wherever you are.
PTD refers to injuries that permanently and completely prevent the insured from engaging in any occupation, such as loss of both eyes or both limbs.
Usually, no medical check-up is required for a Personal Accident policy, making it one of the easiest policies to obtain.