About Personal Accident Insurance

About Individual Personal Accident Policy(Accidental Death & Disablement only)

Our Accident Insurance offers global cover of up to Rs.75 Lakhs, protecting families from financial instability in case of disability or death of loved one due to accident.

Global cover upto Rs. 75 Lakhs

Global cover upto Rs.75 Lakhs, protecting families from financial instability incase of disability or death of loved one due to accident.

Discount of upto 10%

Discount of upto 10% on insuring 3 or more family members

Death & Disability coverage will be increased by 5%, upto a maximum of 25%, for every claim free year.

In a claim free-year, if the Policy is renewed without any breaks, the benefit under Death and Permanent Total Disablement coverage will be increased by 5%, upto a maximum of 25%.


Who can be Covered?

Persons between the age group of 5 - 65 years can be covered under this policy.
Coverage of Self is mandatory.
Coverage is available for self, spouse and dependent children.
Personal Accident Key Benifits

Key Benefits

Royal Sundaram’s Individual Personal Accident Policy (Accidental Death & Disablement only) offers global Personal Accident cover and value-added services.
Instant Accident policy without Medical Test

Instant Policy, No Medical Test.

24x7 worldwide cover

24X7, worldwide cover.

Accident Cover Offer upto Rs. 10 lakhs

Offer upto Rs. 10 Lakhs cover without income proof.

Renew Accident policy anytime with InstaRenew

Renew policy anytime, anywhere with InstaRenew.

Dedicated Custome Service

Dedicated Customer Services Helpline-1860 425 0000.

Online Chat

Facility to chat online information.

Policy Cover for 1 year

Policy cover available for 1 year.

Instant Coverage

Instant coverage, within 5 minutes.

Single policy to cover Entire Family

Single policy to cover entire family.

Personal Accident Terms and Condition

Policy Terms and Conditions

We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarifications.


CIS Terms
and Conditions
Personal Accident Coverages


Accidental Death
In the unfortunate event of death of the insured person, the entire Sum Insured will be paid to the Insured person's nominee.
Permanent Total Disablement
In the unfortunate event of permanent total disability of the insured person, the entire Sum Insured will be paid to the Insured person.
Permanent Partial Disablement
In the unfortunate event of permanent partial disability of the insured person, a certain percentage of the Sum Insured will be paid to the Insured person.
Temporary Total Disablement under Accident Insurance
Temporary Total Disablement
Weekly Benefit for accidents resulting in home confinement upto 104 weeks
Personal Accident Claims


Procedure to make a Personal Accident Insurance Claim.

If you need to make a claim under Personal Accident Insurance, here's a step-by-step guide:


1. Request a Claim Form


  • To request for a claim form, call us at 1860 425 0000. You can also send an email to customer.services@royalsundaram.in at the earliest, and not later than 30 days after the accident. Please quote the Policy Number for our reference. We will mail you the Claim Form within 2 working days or you can download the claim form from our website.
  • You can also notify your claim online. Once you notify the claim our claims team will contact you to explain the procedure.


2. Submitting the claim Form


Please ensure that the documents are provided in English, or provide us with an English translation of the same. If required, we may appoint a Service Provider to verify the documents for a more efficient claim process.


You can mail the Claim Form and requisite documents to -


Royal Sundaram General Insurance Co. Limited

Accident & Health Claims Department

Vishranthi Melaram Towers

No.2/319 , Rajiv Gandhi Salai(OMR)

Karapakkam,Chennai - 600097

Personal Accident FAQ


Questions about Individual Personal Accident Policy (Accidental Death & Disablement only)? Get your answers here.
Yes, Children are eligible for cover of 25% of Sum Insured opted by the proposer to a maximum Sum Insured of 25 lakhs & Parents cannot be covered under the policy.

The following type of accidents are generally not covered


  • From intentional self-injury, suicide or attempted suicide
  • Whilst under the influence of intoxicating liquor or drugs
  • Whilst engaging in sporting activities (aviation or ballooning for example)
  • Directly or indirectly caused by venereal disease or insanity
  • Childbirth or pregnancy related
  • War, invasion, act of foreign enemy, hostilities, civil war and many more
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Personal Accident Tips


Tips for Individual Personal Accident Policy (Accidental Death & Disablement only).

5 Covers that a Personal Accident policy offers

The financial risk associated with life is best covered by a term plan, while a health insurance policy offers a perfect cushion against any unexpexted hospitalization expenses. At times, however accidents can be so severe that you might actually end up depleting all the health isurance covers.

Why is accident insurance as important as life insurance?

Supplementing your life insurance plan with an accident insurance plan will prove helpful.

Personal Accident Breadcrumb
Personal Accident Script

Personal Accident Insurance Schema