100% Payout for Death & Disability

100% Payout for Death & Disability

In-patient & OPD Accident Expenses

In-patient & OPD Accident Expenses

Coverage for Spouse, Parents & Children

Coverage for Spouse, Parents & Children

Customisable plans tailored to your needs

Customisable plans tailored to your needs

Why Do You Need Individual Personal Accident Insurance?

ACCIDENTS ARE UNPREDICTABLE, THEY CAN HAPPEN TO ANYONE


413
People

Die Every Day*

Because Of Accidents

Age Group Of 18-45 Account for 69% Of All Deaths*

Major Reasons**
Traffic Accidents

53%

Traffic Accidents

Accidental Drownings, <br/>Fires and Falls

19.20%

Accidental Drownings,
Fires and Falls

Unknown Reasons

19.20%

Unknown Reasons

1 In Every 4

IS DISABLING***

1 In Every 4

IS FATAL***

9 In Every 10

LEADS TO INJURIES***

The Loss Of Livelihood May Be Temporary

If Not Permanent

Protect Your Family's Future From The Uncertainties Of Life With Our IPA

What does Apollo Munich Personal Accident Insurance Provide?

In Case of Accident Related Injury

We Provide
Treatment Expenses
  • donePermanent Total Disablement
  • doneBroken Bones
  • donePermanent Partial Disablement
  • doneBurns
  • doneHead & spinal Injury
  • doneComa
  • doneAccidental Inpatient Hospitalization & Restore Benefit (optional)
  • doneTotal Temporary Disablement (optional)
Immediate Expenses
  • doneAccidental Out-patient Hospitalization
  • doneHospital Cash
  • doneTransport of Imported Medicine
  • donePurchase of Blood
Transportation Expenses
  • doneRoad Ambulance
  • doneAir Ambulance
  • doneFamily Transport Benefit
Incidental Expenses
  • doneModification of Residence/Vehicle
  • doneCost of Prosthetics

In Case of Accident Related Death

We Provide
  • doneAccidental Death Cover
  • doneCremation Ceremony
  • doneTransportation of Mortal Remains

Our IPA Policy Takes Care of Your Family as They Take Care of You

Family Expenses
  • doneMarriage expenses for Children
  • doneEducation Fund
  • doneHome Maker Care Allowance
  • donePet Care
  • doneMultiple Member disability
  • doneElderly care
  • doneEducation Fund for disabled dependent Child
  • doneLoan Secure (optional)
Cashless Claims Are Approved
In Less Than 60 Minutes#

Features & Benefits

Plan Variants

Sum Insured Rs. 20 Lacs to Rs. 1 Crore
Maximum Sum Insurable for Salaried: 20x Annual Income
Maximum Sum Insurable for Self Employed: 25x Annual Income
Accidental Death (AD) 100% of Sum Insured
Permanent Total Disablement (PTD) Up to 100% of Sum Insured
Permanent Partial Disablement Up to 100% of Sum Insured
Transportation of Mortal Remains Rs. 25,000
Cremation Ceremony Up to Rs. 25,000
Emergency Road Ambulance Up to Rs. 5,000
Education Fund Rs. 50,000
Purchase of Blood Rs. 10,000
Cost of Prosthetics Up to Rs. 20,000
Accidental Out-Patient Hospitalization Up to Rs. 5,000
Hospital Cash (up to 15 days) Rs. 1,000 per day
Optional Benefits
Total Temporary Disablement (TTD) Up to Rs. 5,00,000
Accidental In-Patient Hospitalization with Restore Benefit Rs. 1,00,000
Loan Secure Outstanding Loan Amount
Sum Insured Rs. 1 Crore to Rs. 2.5 Crores
Maximum Sum Insurable for Salaried: 20x Annual Income
Maximum Sum Insurable for Self Employed: 25x Annual Income
Accidental Death (AD) 100% of Sum Insured
Permanent Total Disablement (PTD) Up to 100% of Sum Insured
Permanent Partial Disablement Up to 100% of Sum Insured
Transportation of Mortal Remains Rs. 50,000
Cremation Ceremony Up to Rs. 50,000
Emergency Road Ambulance Up to Rs. 10,000
Education Fund Rs. 1,00,000
Purchase of Blood Rs. 10,000
Cost of Prosthetics Up to Rs. 50,000
Accidental Out-Patient Hospitalization Up to Rs. 5,000
Hospital Cash (up to 15 days) Rs. 3,000 per day
Family Transport Benefit Up to Rs. 50,000
Vehicle/Residence Modification Expense Up to Rs. 2,50,000
Broken Bones Rs. 50,000
Burns Up to Rs. 15,00,000
Adventure Sports Up to 100% Sum Insured
Head & Spinal Injury Up to Rs. 20,000
Emergency Air Ambulance Up to Rs. 2,00,000
Education Fund for Disabled Dependent Child Rs. 2,00,000
Pet Care (up to 15 days) Rs. 2,500 per day
Home Maker Care Allowance Rs. 25,000
Optional Benefits
Total Temporary Disablement (TTD) Up to Rs. 25,00,000
Accidental In-Patient Hospitalization with Restore Benefit Rs. 2,00,000
Loan Secure Outstanding Loan Amount
Sum Insured Rs. 2.5 Crores to Rs. 10 Crores
Maximum Sum Insurable for Salaried: 20x Annual Income
Maximum Sum Insurable for Self Employed: 25x Annual Income
Accidental Death (AD) 100% of Sum Insured
Permanent Total Disablement (PTD) Up to 100% of Sum Insured
Permanent Partial Disablement Up to 100% of Sum Insured
Transportation of Mortal Remains Rs. 1,00,000
Cremation Ceremony Up to Rs. 1,00,000
Emergency Road Ambulance Up to Rs. 20,000
Education Fund Rs. 2,00,000
Purchase of Blood Rs. 10,000
Cost of Prosthetics Up to Rs. 1,00,000
Accidental Out-Patient Hospitalization Up to Rs. 10,000
Hospital Cash (up to 15 days) Rs. 5,000 per day
Family Transport Benefit Up to Rs. 1,00,000
Residence/Vehicle Modification Expense Up to 5,00,000
Broken Bones Rs. 1,00,000
Burns Up to Rs. 25,00,000
Adventure Sports Up to 100% of Sum Insured
Head & Spinal Injury Up to Rs. 50,000
Emergency Air Ambulance Up to Rs. 3,00,000
Education Fund for Disabled Dependent Child Rs. 3,00,000
Pet Care (up to 15 days) Rs. 2,500 per day
Home Maker Care Allowance Rs. 50,000
Transporation of Imported Medicine Rs. 20,000
Multiple Member Disability 120% of Sum Insured, up to Rs. 50,00,000
Coma Up to Rs. 50,00,000
Carrier Rs. 1,00,000
Marriage Expense for Dependent Children Rs. 10,00,000
Elderly Care Rs. 3,00,000
Optional Benefits
Total Temporary Disablement (TTD) Up to Rs. 50,00,000
Accidental In-Patient Hospitalization with Restore Benefit Rs. 5,00,000
Loan Secure Outstanding Loan Amount
Base Benefits
Sum Insured 10 Lacs and above
Accidental Death (AD) 100% of Sum Insured
Permanent Total Disablement (PTD) Up to 100% of Sum Insured
Transportation of Mortal Remains Rs. 1,00,000
Cremation Ceremony Rs. 1,00,000
Optional Benefit 1: Hospicare
Inpatient Hospitalization Rs. 5,00,000
Hospital Daily Cash (Up to 60 Days) Rs. 3,000 per day
Restore Benefit Rs. 5,00,000
Accidental Out-Patient Treatment Rs. 20,000
Emergency Road Ambulance Rs. 20,000
Emergency Air Ambulance Rs. 3,00,000
Optional Benefit 2: Disability Care
Permanent Partial Disablement 100% of Sum Insured
Adventure Sports 100% of Sum Insured
Residence/Vehicle Modification Rs. 3,00,000
Optional Benefit 3: Family Support
Elderly Care Rs. 10,00,000
Child Education Fund Rs. 2,00,000
Pet Care (for 15 days) Rs. 2,000 per day
Homemaker Care Rs. 10,000
Optional Benefit 4: Injury Care
Coma Up to Rs. 10,00,000
Broken Bones Rs. 1,00,000
Burns Rs. 10,00,000
Head and Spinal Injuries Rs. 50,0000
Cost of Prosthetics Rs. 1,00,000
Optional Benefit 5: Temporary Total Disablement (TTD)
Temporary Total Disablement (TTD) Up to Rs. 50,00,000
Optional Benefit 6: Loan Secure
Loan Secure Outstanding Loan Amount

Frequently Asked Questions

This policy provides financial support to policy holder in case of an accidental death or disability. The magnitude of mishap doesn’t matter, even a minor one like falling off a bicycle and breaking an arm or fracturing a leg while playing football are covered. It also compensates the insured for loss of income in case doctor asks the insured person to take a bed rest.

The policy carries a cumulative bonus of 5% for every claim free year subject to a maximum of 50% of the Accidental Death Sum Insured. In case a claim is made during a policy year, the cumulative bonus would reduce by 5% in the following year.

The cumulative bonus will be applicable for Accidental Death, Permanent Total Disablement and Permanent Partial Disablement Sum Insured only (Cumulative Bonus will reflect against the Accidental Death Benefit on the policy schedule).

There will be No transfer of Cumulative Bonus from other insurers.

There is a family discount of 10% for purchase of policy of more than 1 member.

A 2-year policy term has a 7.5% discount. A 3-year policy has a 10% discount. These are cumulative in nature.

Example: If Mr. A and Mrs. A purchase a 2-year policy term they are provided with a 17.5% discount. If they purchase a 3-year policy term they are provided a 20% discount.

Apollo Munich's policy takes into account that personal accidents affect the family of the person involved in the accident just as much as his/her dependents. This policy is geared towards financial coverage for the whole family.

Safeguard yourself as well as your family’s future by purchasing this policy today.

There are four variants available for this product, each with a range of benefits available.

The Essential Plan has sums insurable from Rs. 20 Lacs to Rs. 1 Crore. This variant carries all the important benefits you require to safeguard yourself from accidents.

The Advanced Plan has sums insurable from Rs. 1 Crore to Rs. 2.5 Crores. It carries higher coverage and value additions that will secure the future of your entire family.

The Elite Plan has sums insurable from Rs. 2.5 Crores to Rs. 10 Crores. Our flagship policy protects takes care of you while you recover.

The Exlcusive Plan has sums insurable starting from Rs. 10 Lacs. Our customisable plan lets you pick and choose the benefits you need.

View details.

This Policy applies to events or occurrences taking place anywhere in the world unless limited by us through endorsement.

The benefit in respect of Accidental Medical Expense, Accidental In-patient Hospitalization, Accidental Out-patient Hospitalization, Accident Hospital Cash, Loss of Personal effects, Emergency Air Ambulance, Emergency Hotel stay, Cab and Bus Cover shall be paid only for expenses and or mugging, incurred in India, irrespective of the place where the injury was sustained / accident occurred. The benefit towards Modification of Residence/ Vehicle expenses shall be payable only upon modification performed in India.

All payments under this Policy will only be made in Indian Rupees within India.

A person who has an income of more than Rs. 2,00,000 per annum can purchase this policy. The person must be between the ages of 18-69.

Other than the himself or herself, a person can purchase this policy for their spouse, dependent children and dependent parents. Parents-in-law are not coverable.

There is an overall limit of 6 members.

The maximum number of adults can be 4. The maximum number of adult dependents can be 3. They must be between the age of 18 years and 69 years.

The maximum number of child dependents can be 5. They must be between the age 91 days and 25 years.

Add-on covers for this policy include loan repayment, temporary total disablement and accidental in-patient hospitalization with a restore benefit. These three optional benefits are available with all 4 variants of our IPA policy.

View optional benefits.

The Exclusive plan is a customisable variant of our IPA plan that lets the person choose the benefits he/she requires.

View Exclusive plan details.

The product covers a variety of benefits ranging from the basic benefits of accidental death, temporary disability to optional ones of total temporary disability, loan repayment and hospital among others.

View plan details

The maximum number that the policy can have are 6.

The maximum number of adult dependents can be 3. They must be between the age of 18 years and 69 years. The total number of adults in a policy can be 4.

The maximum number of child dependents can be 5. They must be between the age 91 days and 25 years.

An earning spouse (who is salaried) is insured at 20 times her/his annual income up to a maximum of the policy-holder’s sum insured.

An earning spouse (who is self-employed) is insured at 25 times her/his annual income up to a maximum of the policy-holder’s sum insured.

A non-earning spouse/dependent parents are insured at 50% of the policy-holder’s sum insured amount, up to a maximum of Rs. 1 Crore.

Dependent Children are insured at 25% of the policy-holder’s sum insured amount, up to a maximum of Rs. 25 Lacs.

Click here to view the plan variants

  • *Source: http://www.indiaenvironmentportal.org.in/files/file/Road accidents in India 2016.pdf
  • **Source: https://community.data.gov.in/top-5-causes-in-terms-of-un-natural-deaths-during-2015/
  • # Source: Internal Assessment
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