Personal Accident Insurance

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What is a Personal Accident Insurance Policy?

Why do you need a Personal Accident Insurance Cover?

A personal accident cover will keep you and your loved ones secure in case of any unforeseen accidents. So, why do you really need it?

Financial safety
It is an extra financial safety net for you and your family.
Fixed Benefits
You will get a fixed benefit in case of any unfortunate accident.
Financial help
In case of some disablement where you can’t work, you’ll get a bit of financial help.

What's great about a Personal Accident Insurance by Digit?

  • Fixed Benefits - Accidents happen without any warning, at any time and anywhere, and with a Personal Accident Plan, you’ll get a fixed benefit in case of such an eventuality.
  • No medical tests needed - With our Personal accident insurance, you don’t need to get any medical tests done, just go online and get protected in a few simple steps.
  • Get a wide range of coverage - This plan will cover you for all kinds of unfortunate events minor and major injuries to loss of income and more!
  • We cover Home hospitalization - in case you’re not able to go to a hospital and get your medical treatment at home, we’ll cover that too.
  • Great Value - Digit's Personal Accident Cover comes with low-cost premiums that won’t put a strain on your budget.
  • A Cumulative Bonus - If you haven’t made a claim during the policy year, we’ll offer you a sort of reward - an increase in your Sum Insured, starting with 10% for every claim-free year.
  • A Digital Friendly process - From buying your insurance policy to making claims, there’s no paperwork or any running around needed with us, everything can be done online! 

What is Covered in Personal Accident Insurance by Digit?

When you get a Personal Accident Cover, you and your family will be protected in case of... (*Based on the option selected by you)



In case an accident causes total or partial disabilities (like loss of sight or limbs) this insurance can help cover you financially.

Accidental Death

Accidental Death

In the unfortunate event that an accident results in death (and we hope that never happens), your dependents will get financial protection, as well as help with funeral and transportation expenses.

Hospitalization expenses

Hospitalization expenses*

If you get into an accident, you will be covered for things like room rent, diagnosis, and daycare procedures as well as pre and post hospitalization expenses such as road ambulance charges.

Loss of Income

Loss of Income*

In case you suffer a Temporary Total Disablement and you are unable to perform your work for a while, we will pay a weekly benefit amount.

Benefits for Children

Benefits for Children*

This policy goes beyond helping you and will also cover certain benefits for your dependent children, such as costs of education or marriage expenses if the worst happens and you face permanent total disablement or death after an accident.

Adventure Sports

Adventure Sports*

If you are accidentally injured while doing adventure activities such as scuba diving, bungee jumping, or sky diving (under professional supervision), you’ll be covered.

What is Not Covered?

There are some situations where a Personal Accident insurance won't cover you, such as

If your accidental injury was caused by war, or terrorism, it unfortunately won’t be covered. 

In case the injuries happened while you were under the influence of drugs or alcohol.

When the accidental injury took place while you were committing some criminal act.

How much does a Personal Accident Insurance cost?

Types of Personal Accident Insurance Plans

Pick and choose the right kind of plan for you, as well as your spouse, children and parents based on the amount of coverage that is just right for you; we have three options to choose from:

Fundamental Option Support Option All-rounder Option
Important Policy Features
Accidental Death
Permanent Total Disablement
Permanent Partial Disablement ×
All Hospitalization ×
Day Care Procedures ×
Cumulative Bonus ×
Standard Policy Features
Road Ambulance Charges ×
Hospital Cash ×
Child Education Benefit ×
Home Hospitalization ×
Pre/Post Hospitalization ×
Funeral and Transportation Expenses ×
Transportation of Imported Medicines ×

Who should get a Personal Accident Insurance?

How to Choose the Right Policy?

  • Look at different policies - Saving money is great, but sometimes the personal accident policy that has the lowest premium might not have the best plans; so, compare the features and premiums of different policies to find one at an affordable price that works for you.
  • Get the right coverage - The insurance policy should give you the best coverage.
  • Pick the right sum insured - You can look for a policy that lets you customize your sum insured based on the nature of your work and the risk you face.
  • Claims Process - This is one of the most important parts of any insurance policy, look for an insurance company where claims are not only easy to make but easy to settle too as it can save you a lot of hassle. 
  • Service Benefits - Choose an insurer who will even be able to offer you a lot of extras benefits, like 24X7 customer assistance or an easy-to-use mobile app.    

Common Personal Accident Terms Simplified for you


Any sudden, unexpected situation that may or may not cause injuries to the person or persons involved.

Immediate Family

Your immediate family refers to any person who is your spouse, child, parent, or sibling.


The person(s) that you have named in the policy as the recipient of your insurance benefit upon your death.

Permanent total disability

Any injury that is permanent and prevents you from being able to work. This might include, blindness, paralysis, or loss of both legs. 

Permanent partial disability

If an injury will not improve over time and leaves you partially disabled. For example, loss of one leg, blindness in one eye or losing hearing in one ear.

Temporary total disability

An injury which creates a disability that prevents you working for a temporary amount of time, while you recover. Like a broken arm or leg.

Cumulative Bonus

A sort of reward you get for a claim free-year, where you get an additional percentage of sum insured of your coverage, while you pay the same premium.

Sum insured

It is the maximum amount that your insurer will pay in case you make a claim. 


This is a small amount that you need to pay out of your pocket before the insurer can cover your claim.  

Frequently Asked Questions