An accident can change everything in a moment — and its financial impact reaches far beyond a hospital bill. Personal accident insurance pays a defined benefit for death or disability from an accident, protecting the income and earning capacity a family relies on.
What personal accident insurance is
Personal accident (PA) insurance paysdefined benefits on accidental death or disablement, on a 24-hour, worldwide basis. It is benefit-based — the sum is paid regardless of actual medical expenses — and it is strikingly affordable for the protection it provides.
How it differs from health insurance
What it covers
- Accidental death— the full capital sum to the nominee;
- Permanent total disablement— typically the full sum;
- Permanent partial disablement— a percentage by scale;
- Temporary total disablement— a weekly income benefit during recovery.
Many policies add education benefits for children, funeral expenses, ambulance and hospital-cash benefits.
Why it matters
An accident that reduces or ends your ability to earn is a risk a health policy simply does not address. For a very small premium, PA cover provides alarge benefit precisely when earning capacity is lost— the moment a family is most financially exposed.
How much cover to take
A common benchmark is10 to 15 times annual income, so the benefit meaningfully replaces lost earnings and supports the family through a long recovery or a permanent change in circumstances.
Individual vs group PA
Individual PAis portable and owned by you, continuing regardless of employment.Group PAis provided by an employer and ends when the job does. Holding personal cover ensures you are protected in your own right, not only while employed.
Who needs it
Everyone, and especiallysole earners, frequent travellers, and those in field or physically demanding roles— wherever an accident could interrupt or end the ability to earn.
What it does not cover
Typical Exclusions
- •self-inflicted injury and suicide;
- •injury while under the influence of alcohol or drugs;
- •illness and natural death (this is an accident-only cover);
- •hazardous activities, unless specifically covered; and war and nuclear risks.
How Aurevian helps
Aurevian helps youset a benefit that genuinely replaces income, add temporary-disablement and medical extensions, choose between individual and group cover, and manage claims— so an accident is a setback, not a financial collapse.
“The real cost of an accident is not the treatment — it is the income that stops. Personal accident cover replaces it.”
