We must explain to you how all seds this mistakens idea denouncing pleasures and praising account.
An Accidental Insurance Plan is a type of policy that provides financial protection in case of accidental injuries, disability, or death. While life insurance pays only on death and health insurance pays for hospital bills, accidental insurance covers you specifically for unforeseen accidents, including permanent disability, loss of limbs, partial impairment, or accidental death.
Many people think their life or health insurance is enough. But here’s the truth — neither may fully support you in case of a serious accident that doesn’t cause death but leaves you unable to work or earn. That’s where accidental insurance becomes a must.
At CallMyCA, we help you choose the right accidental insurance plan based on your profession, risk level, lifestyle, and income, so that you or your family don’t suffer financially due to an accident. We guide you in understanding coverages like temporary vs. permanent disability, hospitalization benefits, education benefits for children, and more — all in simple, no-jargon language.
Get financial protection for minor injuries, fractures, burns, or major disability and accidental death.
Covers both temporary and permanent disability, which life/health policies often ignore.
Some plans offer monthly payouts if you can’t work for a while due to an accident.
In case of death or permanent disability, some plans support your children's education expenses.
Accidental insurance is very low-cost, starting as low as Rs. 100–Rs. 200 per month.
You can combine this with your term/life plan — both payouts apply in case of accidental death.
Expenses like prosthetics, mobility support, physiotherapy, etc., are also included in many plans.
Most policies cover accidents that happen anywhere in the world, not just India.
Insurers have hotlines and fast claim settlement for accidental cases — we guide you through it.
Life insurance covers only death, and health insurance covers hospital bills, but not the loss of income or lifestyle impact after an accident. A serious injury can leave you unable to work — accidental insurance pays a lump sum or regular payout in such cases.
Generally, you should take 10–15 times your annual income. So, if your income is Rs. 6 lakhs/year, a Rs. 60–Rs. 75 lakh accidental cover is reasonable. For high-risk professions or frequent travelers, higher coverage is advisable.
Any sudden, unexpected, external physical event — such as road accidents, falls, fire burns, electrocution, drowning, etc. — which leads to injury or death. Illnesses, suicides, or self-inflicted injuries are not considered accidents.
Yes. Many accidental plans cover fractures, burns, and short-term disabilities with fixed payouts, depending on severity. These plans provide both a lump sum and a per-day hospital allowance in such cases.
If you lose both eyes, both hands, or both legs — or are completely unable to work — it is called permanent total disability. The insurer pays the full sum assured in this case.
Absolutely. It’s highly recommended. You can claim benefits from all three policies — term (for death), health (for treatment), and accidental (for accident-specific benefits) — without conflict.
No. Accidental insurance premiums are not eligible for tax deduction under Section 80C or 80D, unless taken as a rider with term or health insurance. But the premium is very affordable.
No. Accidents can happen to anyone, even desk job holders or homemakers. However, if you work in construction, transport, delivery, factories, or travel frequently, you should have one.
Yes, many plans allow coverage for non-earning members as well. The sum assured may be lower, but the benefits still apply for accidental injury or disability.
Most plans provide worldwide coverage, but you should confirm this while buying. We help you pick plans that protect you globally, especially if you travel frequently for work or leisure.
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