1. Accidental Death: The amount of compensation payable by the insurance company in case of death due to accident to the nominee.
2. Permanent Total Disablement (PTD): The amount of compensation payable by the insurance company in the event of injury or loss of limb, sight or hearing due to accident.
3. Medical expenses: Medical expense are covered by the insurance company
4. Funeral expenses: In case of death due to accident, funeral expense are covered by the insurance company.

Permanent exclusions
Death, injury or disablement of insured person caused due to following events is commonly excluded from the cover:

1. From intentional self-injury, suicide or attempted suicide;
2. Influenced by liquor or drugs;
3. Hazardous sports
4. Childbirth, pregnancy or miscarriage
5. Unlawful activities or any criminal act
6. Nuclear weapon induced treatment.
7. War risk, invasion, act of foreign enemy, hostilities military or detainment of all kinds.

In the event of injury, disability or death you or your nominee need to follow following steps:

	Death claim	Injury claim
	Nominee should do	Insured must do
Step 1	Make a police report immediately and notify your insurance company.	Give written notice of injury to your insurance company within the time frame stipulated in your policy
Step 2	Submit claim form along with supporting documents	Submit claim form along with supporting documents
Step 3	Documents Required 1. PA Claim form 2. FIR Report 3. Post-mortem report 4. Death certificate	Documents Required 1. PA Claim form 2. FIR Report 3. Doctor's prescription,bills, diagnosis report 4. Hospital discharge card 5. Disability Certificate.

Why should I take personal accident insurance policy if it covers only an accident ?
This coverage is suitable for an individual whose occupation is risky.However, keep in mind that anyone can have an accident. Thus, PA insurance is important for all even though it covers only an accident.

Will accident insurance pay my beneficiary if I am killed while working in my hazardous occupation?
Yes, it will pay if you are injured or killed while working in hazardous occupation.

What if I have multiple accidents throughout my life – will I be covered for multiple accidents?:
It covers all the accident during the coverage time frame of the policy. This of course means that if you were to have more than one accident during the active life of this policy, you would be paid for each accident

What is permanent total/partial and temporary disablement?
When an individual person is unable to do any duties for rest of his life, he is permanently disabled. When a person loses a part of limb or hearing etc. it is permanent partial disablement. Temporary total disablement arises when a person is confined to bed for a temporary period and is indisposed to attend to his duties for that period.

Is there any income tax benefit for premium paid under Personal Accident insurance ?
There is NO income tax benefit available against premium paid for Personal Accident insurance.