Personal Accident Insurance - Kotak Accident Care

A personal accident policy from Kotak


Did you ever think that an accident can render you totally or partially disabled leaving you incomeless? Without the opportunity to earn, how will you ensure a secure financial future for your family and loved ones? The answer lies in planning for any such eventuality early. Our personal accident policy is specially crafted to cover you and your family with a financial cushion against various events arising out of an accident. You can choose from a wide range of covers and customize your policy as per your requirement.

Product UIN: KOTPAIP22072V042122

Key benefits


Entry Age - Minimum entry age is 5 years. Maximum entry age is 65 years

Renewal - Policy offers lifelong renewal

Policy Period - Opt for 1, 2 or 3 year policy period


Accident Covers (Benefits under Section A)*

This cover provides financial security to you and your family by paying a lump sum amount in case of the following events arising due to an Accident

-Permanent Total Disablement (PTD)
-Permanent Partial Disablement (PPD)
-Temporary Total Disablement (TTD) (Weekly benefit)

Other Covers (Benefits under Section B)*

In addition to the above benefits, you can cover other contingencies arising out of an accident. These covers help you to take care of expenses in case of hospitalization due to an accident.

Benefits under Section B *

Accidental Hospital Daily Cash Benefit - pays a fixed sum on a daily basis for the duration of hospitalization.
Accidental Hospitalization Expenses Reimbursement - can be claimed for medical expenses incurred due to hospitalization.
Convalescence Benefit - pays a fixed sum of Rs.10,000 on hospitalization for a minimum of 10 consecutive days.

Mandatory cover - Any one cover either from section A or B can be taken.
Extensions under Section A can be opted only if the relevant cover under Section A is taken.

Optional Covers

Optional Covers (Extensions under Section A) **

These covers are additionally available if you decide to go for a comprehensive coverage on the payment of additional premium.

Carriage of Dead Body - covers the cost of transporting the body of the deceased from the place of death to place of residence.

Permanent Total Disablement Improvement Benefit - pays for improvements to be carried out in the Insured Person’s residence to support their daily life.

Permanent Partial Disablement Improvement Benefit - pays for improvements to be carried out in the Insured Person’s residence to support their daily life.

Children’s Education Grant - ensures uninterrupted education of the Insured Person’s unmarried dependent child under the age of 25.

Ambulance Charges - pays for the transportation of the Insured Person to the hospital by a registered ambulance service.

Funeral Expenses Extension - reduces the burden of the family by paying for the funeral expenses of the Insured Person.


Waiting Period/Exclusions

What is not covered?
Death/ Accident/ Injury arising from/ due to

  • intentional self-injury, suicide or attempted suicide

  • influence of intoxicating liquor or drugs

  • war/ war like activities

  • ·venereal disease or insanity or mental, nervous or emotional disorder

  • breach of law

  • circumcision or strictures, vaccination, inoculation, sex change, beauty treatment dental treatment, eye treatment, plastic surgery unless as a consequence of an Injury

  • participation in Professional Sports, bodily contact sport or any other hazardous or potentially dangerous sport for which the Insured Person is untrained, unless specifically covered under the Policy

  • ionizing radiation or contamination by radioactivity from any nuclear fuel/ nuclear waste

  • ·nuclear weapon materials


For complete list of exclusions, please refer to the policy wordings