Protect yourself and family with life's unexpected moments.

This is unique to PA insurance. If a fracture leaves you bedridden for 10 weeks, the insurer pays a weekly allowance (e.g., ₹5,000/week) to replace your lost salary. This is a lifesaver for self-employed Indians or those without “sick leave” benefits.

Yes, most modern Indian policies include an Education Fund extension. If the policyholder passes away or becomes permanently disabled, the insurer pays an additional amount (usually up to 10% of the sum insured) to secure the children’s schooling.

Standard policies exclude high-risk activities like paragliding or bungee jumping. However, as of 2026, many Indian insurers offer an “Adventure Sports Rider” for a small extra premium essential if you’re planning a trip to Rishikesh or Leh.

Yes. Unlike Term or Health insurance, you can buy a PA policy in India instantly without any medical tests, regardless of your age (up to 65 or 70).

Yes. Most Indian PA policies offer Worldwide Coverage. If an Indian resident meets with an accident while on a business trip in Dubai or a vacation in London, the claim is valid.

If you have an active Home or Car loan, this add-on ensures that in the event of accidental death or PTD, the insurer pays a lump sum specifically to clear your outstanding loan so your family doesn’t lose their home.