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It is a fact that life today is uncertain. Everybody is always at risk – on the roads, at work, while travelling, or even inside their own home. Some unfortunate accidental occurrence might bring a huge financial burden to you and your family. Although you cannot guard against all uncertainties of life, you can always take steps to help you tide over such accidental events.

ITGI's Personal Accident Insurance Policy provides just the right kind of cover for these uncertain times.

A Complete Protector


Our Personal Accident Insurance Policy gives complete protection against all accidental occurrences that might lead to death or bodily injury of the insured person. If the accident leads to the untimely death of the insured, this Policy will provide complete financial security to the Insured's family members. The Policy also covers eventualities where though the insured person survives on accident, he is crippled for the rest or part of his life. In such cases, the Policy will pay a fixed percentage of Sum Insured depending upon the type of disablement. This policy is available worldwide and also covers accidents caused due to terrorism.


Benefits Available


The complete benefit plan under the Policy is given below:



100% of Sum Insured

Loss of both hands or both feet or one hand plus one foot or sight of both eyes.

100% of Sum Insured.

Loss of one hand / foot and sight of one eye

100% of sum Insured

Loss of one hand or one foot or sight of one eye

50% of Sum Insured

Loss of speech or hearing in both ears

50% of Sum Insured

Permanent total disability

100% of Sum Insured.



Note: Other benefits for accidents resulting into loss of fingers / toes or any other permanent partial disablement range from 5% to 40% of Sum Insured depending on the type of disability. For temporary total disability, 1% of Sum Insured per week is payable subject to a maximum of Rs. 6,000/- per week.


For that extra protection and relief in those hard times. ITGI's Personal Accident Insurance Policy also gives the following additional benefits:


Education Benefit:


In the unfortunate event of death or loss of limbs / eyes or permanent total disablement of the Insured, the education cost of dependent children is covered under the Policy upto specified limits.


Employment Benefit:


This cover provides financial compensation upto specified limits in the event of loss of employment of the insured following on accident resulting in loss of limbs / eyes or permanent total disablement.


Ambulance Benefit:


If any accident results in the use of an ambulance by the Insured to reach a hospital, then the Policy will pay the necessary charges upto specified limits.


Cumulative Benefit:


Under the Policy the Sum Insured amount for you and your family members under Individual and Family covers is automatically increased on renewal upto specified limits without payment of any extra premium.


Besides the above, our Policy also offers other benefits, like compensation for damaged clothing, expenses for carriage of dead body etc.


What Extra benefits can be covered?


On payment of nominal extra premium, our Personal Accident Insurance Policy can also be extended to provide a whole range of additional coverage.


Medical Expenses


In addition to the death or disablement benefits, the Policy will provide reimbursement upto specified limits for medical expenses incurred for treatment following an accident.


Cost of Supporting Items


If the use of supporting items like crutches, wheelchair, artificial limbs etc. becomes necessary due to injuries sustained in an accident, then the costs are reimbursed upto specified limits.


Cost of Travel:


If the Insured is dialed in a place other than his normal residence due to an accident, then we will pay upto specified limits for cost of travel of the injured person for returning home and also for the travel cost of any accompanying friend or relative to join the Insured and for returning home.


When will Policy not pay?


Some of the important Exclusions under the Policy are self-injury, suicide, venereal disease, insanity, influence of intoxicating liquor or drugs, pregnancy or childbirth, HIV or AIDS, war and nuclear risks etc.


Who can apply for Personal Accident Insurance ?


If you are not involved in any activity that is hazardous like aviation, ballooning etc. and you are not a member of the armed forces and you fall within the specified age limits (5 to 70 years), you can apply for this Policy and get complete protection for yourself and your family members.


What are the types of Policies?


The Policy is available both as Individual and Family package covers and on Group Cover basis. Groups can comprise of employees of an organization and their dependants, members of clubs, societies and associations, holders of deposits / accounts with banks / financial institutions / companies, students / teachers of educational institutions etc. Group Policies are eligible for attractive premium discounts depending on the size of the group.


Easy Claim Process


In case of any accident leading to a claim under the Policy, please contact our nearest office or our Customer Care Centre at 1800-103-5499 (toll free). We will guide you through our simple claim settlement process.


About ITGI


IFFCO-TOKIO GENERAL INSURANCE CO. LTD (ITGI) is a joint venture between IFFCO and The Tokio Marine and Fire Insurance Co. Ltd, Japan. After getting the license on 4th December 2000, we started our operations and within a short period, we have become one of the leading private General Insurance Companies in India.


At ITGI, we are fully committed to providing insurance products and services to you in a convenient and satisfying manner. Our Policies have been designed to provide you with more than just a healing touch in those unfortunate yet unavoidable circumstances of life. Our personalized service, customized covers and a wide array of non-life insurance products – from motor to travel, from household to personal accident, will give you complete peace of mind. We have made every effort to make our policies and procedures simple, transparent and customer friendly to give you The Life You Deserve.