The gap in your
safety net.
Health insurance covers your hospital bills, but who covers your life when the income stops? Discover the essential layer of protection most portfolios miss.
Trusted by thoughtful families nationwide.
"Protection is about peace of mind, not just payouts."
Health insurance pays the doctors.
Personal Accident policies pay you.
Imagine sustaining a fracture that keeps you out of work for six weeks. Your health insurance settles the hospital bill, but the rent, school fees, and grocery bills don't stop. A Personal Accident policy acts as an income replacement tool, depositing cash directly into your account when you need it most.
Know the Difference
Understanding the distinction between medical coverage and lifestyle protection is the first step to financial resilience.
Health Insurance
Reimbursement Model
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Covers Medical Bills Hospitalization, surgery, and medication costs.
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Paid to Provider Money usually goes directly to the hospital (cashless).
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No Income Support Does not cover lost wages during recovery.
Personal Accident
Benefit Model
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Lump Sum Payouts Fixed cash amount paid directly to you or nominees.
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Income Replacement Weekly cash benefits for temporary disabilities.
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Disability Coverage Financial support for permanent or partial disability.
Accidental Death
Ensures your family's financial future is secure with a substantial lump sum payout (100% sum insured) in the unfortunate event of a fatal accident.
Permanent Disability
If an accident leads to the loss of limbs, sight, or hearing, you receive a percentage of the sum insured to help adapt your lifestyle and cover costs.
Temporary Total Disability
The most used feature: Weekly cash payouts if a doctor certifies you cannot work due to fractures or injuries, bridging the gap until you recover.
Weekly Cash Benefit
Recovery takes time, and bills don't wait. The Weekly Cash Benefit is designed to keep your household running while you are bedridden.
Rent & Mortgage
Keep a roof over your head without stress.
Loan EMIs
Maintain your credit score during downtime.
₹25,000 / week
Typical payout for temporary disability coverage.
Common Misconceptions
When does it pay out?
Real-life scenarios where your policy steps in.
The Gym Mishap
A heavy lift goes wrong, resulting in a hairline fracture. 6 weeks recovery.
Outcome: Weekly cash payout initiated.
The Home Fall
A slip on wet tiles leads to ligament damage. Surgery required + rehab.
Outcome: Medical bills + rehab allowance paid.
The Commute
Minor collision in a taxi causing whiplash and temporary immobility.
Outcome: Income protection activated.
Secure your future for
less than ₹5/day.
Don't wait for an accident to realize the value of protection. Add a Personal Accident cover to your portfolio today.
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