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  • Overview
  • Coverages
  • Key Features
  • Terminologies
  • Claim Process
  • FAQs

What is Personal Accident Insurance?

Personal accident insurance is a contract that protects the insured members against losses caused by unforeseen events like accidental death, bodily injury and temporary/permanent disability caused by an accident

  • As a result of the accidental death of the policy holder, the nominee is entitled to 100% compensation from the insurer
  • Personal accident insurance protects the insured as well as their family in the event of accidental loss or damage
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Why Choose Shriram Personal Accident Insurance?

  • Shriram Personal Accident Insurance offers comprehensive coverage against accidents at an affordable premium.
  • Purchasing a policy online from Shriram General Insurance is easy and hassle-free
  • All claims-related inquiries are handled within one working day with Shriram Personal Accident Insurance policy
  • Pick and choose the right kind of plan for you, as well as your spouse, children and parents based on the coverage that is just right for you
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Features of Shriram Personal Accident Insurance


Pocket-friendly Premium

A cost-effective premium with minimal documentation

Fast Claim Settlement

Instant claim settlement at your convenience

100% Sum Assured

100% accidental claim benefits guaranteed


Comprehensive Coverage

Pick the right coverage to gain maximum benefits

Get your Shriram Personal Accident Insurance in 3 Simple Steps


Call our Toll-Free number

Call (1800-300-3000/1800-103-3009) to avail a Shriram Personal Accident Insurance policy at your convenience and you will be guided by our dedicated customer support executives throughout the Shriram Personal Accident Insurance journey


Submit the required details

Kindly provide the basic details such as the sum insured, occupation, policy term (maximum 3 years), identity and address proofs (Aadhaar, Voter ID, Passport, etc.)


Complete the payment and get instant Shriram Personal Accident Insurance

Kindly complete the payment by selecting the preferred payment method (Debit Card, Credit Card, Net Banking or Cheque) and get Shriram Personal Accident Insurance instantly

Benefits of Shriram Personal Accident Insurance

  • Superfast application process with minimal documentation
  • Comprehensive coverage policies with enhanced risk cover
  • Instant claim settlements
  • 24*7 claim support for all your queries

Frequently Asked Questions

Is it necessary to have a separate personal accident policy for my family members?

No. Shriram Personal Accident Insurance is a floater policy, which means one can register for himself, spouse, dependent children and parents in a single policy


Shriram Personal Accident Insurance Plans provides four different types of personal accident insurance plans with multiple coverages for better protection. You can choose the best plan as per your requirements at ease

Types of Shriram Personal Accident Insurance Coverages

Types of Coverages

Basic Plan

Basic Plus Plan

Advance Plan

Comprehensive Cover

Accidental Death & Disappearance


Transportation of Mortal Remains


Children‘s Education Benefit


Permanent Total Disablement


Permanent Partial Disablement


Temporary Total Disability


Accidental Death & Disappearance

Accidental deaths are uncertain; in such death, the nominee gets 100% compensation of the sum insured as per the Basic Plan, Basic plus Plan, Advance Plan or Comprehensive Plan selected by the insured. If, during the policy period, the insured person meets with any accidental bodily injury that causes their death within 12 months from the date of such accident. Where such an accident is the sole and direct cause of death, the insurer will pay the benefit for loss of life during the policy period. This cover can secure the family’s financial status after your absence

Transportation of Mortal Remains

As an additional benefit coverage, if you opt, you can be compensated for the actual cost of transporting the remains of the deceased from the place of death to a hospital, cremation ground or burial ground. The insurer will limit the amount to as low as Rs. 5,000/- or 2% of the sums insured

Children's Education Benefit

If one claims under accidental death or permanent total disability, then we will make a one-time payment of 2% of the benefit for each child towards the cost of education. The cover is available for the first two dependent children who are studying

Permanent Total Disability

In case someone gets injured, loses (any) body part permanently and becomes physically challenged, the insurer will pay 100% of the sum insured shown under the plan selected

Permanent Partial Disability

If suppose the insured meets with an accident during the policy period that causes disablement of the shoulder joint, thumb, index finger or other permanent partial disability. If it results within 12 months from the date of the accident and such an accident is the direct cause of disability, the insurer will pay a certain percentage of the sum insured under each plan

Temporary Total Disability

If suppose the insured suffers an accidental bodily injury during the policy period because of temporary disablement and it completely prevents the insured from the respective occupation. Then the insurer provides a weekly payment of 1 % of the capital sum insured per week, a maximum of up to Rs. 50,000 until they return to work

  • What is Covered?
  • What is not Covered?

Accidental Death & Disappearance


Transportation of Mortal Remains


Children's Education Benefit


Permanent Total Disability


Permanent Partial Disability


Temporary Total Disability


Injuries because of suicide, attempted suicide or intentional self-inflicted wound or illness


Injury because of the influence of Intoxication, i.e. liquor or drugs


Injury due to insanity or immorality, committing any breach of law with criminal intent


Dangerous hobbies such as aviation or ballooning, aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world


Participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs


As a result of any curative treatments or interventions, the insured person carries out or has carried out on the insured person's body

Frequently Asked Questions

I already have life insurance coverage. Why should I also purchase Personal Accident Insurance?

A life insurance policy will provide benefits to your dependents in case of your absence, but a personal accident policy protects you and your family against the financial risks caused by accidents. This includes medical costs, lost income following an injury or stability should you suffer a permanent total disability


Hospital Confinement Allowance

If one claims an accidental death and temporary total disability, Shriram Personal Accident Insurance will pay Rs.1000/- for each complete calendar day of hospitalisation for an accidental injury. However, the insurer will limit the amount paid under this cover for each policy period to Rs. 30, 000/-

Accidental Hospitalisation Cover

If the insured meets with an accident resulting in bodily injury during the policy period and is hospitalised for twenty-four (24) hours or more, the insurer will reimburse the medical expenses. The reimbursement includes hospital accommodation, emergency room, intensive care unit, nursing care, fees of physicians, charges for laboratory tests, prescription medicines or drugs, therapeutics, anaesthetics, transfusions, artificial limbs or eyes, x-rays, prosthetic appliances, medical consumables and ambulance charges

Medical Expense Reimbursement

Shriram Personal Accident Insurance will reimburse the costs of necessary medical treatment for the insured obtained from a medical practitioner due to an accidental injury

Modification of Residential Accommodation and Vehicle

In the event of injury, Shriram Personal Accident Insurance will reimburse up to a maximum amount of the sum insured to modify the insured person's residence or own vehicle on account of permanent total disability as per the advice of the treating/ attending medical practitioner

Key Features of Shriram Personal Accident Insurance


  • Starts @ ₹48*/- for a Sum Insured of 1 lakh (Risk I category premium - exclusive of GST)


  • Transportation of Mortal Remains, Hospital confinement Allowance, Accidental Hospitalisation Cover, etc.

Claim Process

  • Quick and Hassle-free Claim Settlement Process

Exclusive for Children’s Education

  • One-time payment of 2% of the sum insured under death and permanent total disability claim benefits Superfast policy Process

Ambulance Expenses

  • Available

Worldwide Hospitalisation Coverage

  • Available

Frequently Asked Questions

How many children are covered under Shriram Personal Accident Insurance policy?

The first two dependent children are covered under Shriram Personal Accident Insurance policy


The occurrence of any sudden, unexpected event, which may or may not cause injuries to the person involved

Permanent Partial Disability

An injury that prevents you from moving permanently. It may include blindness, paralysis or loss of both legs

Frequently Asked Questions

What is known as a Deductible?

A deductible is an amount that must be paid by the policy holder before the insurer covers the claims


Shriram General Insurance’s claim intimation process is easy and hassle-free. Intimate a claim, submit the required documents and get a timely claim settlement

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Get your Shriram Car Insurance Online Claim Settlement in 3 Simple Steps

  • step 1
  • step 2
  • step 3

Intimate your Claim

Intimate a claim via our Toll-Free number 1800-300-30000/1800-103-3009 or Please download the CLAIM INTIMATION, fill it out and send it to our Help Desk via Email ID (chd@shriramgi.com)

Submission of Required Documents

Please provide the REQUIRED DOCUMENTS mentioned to proceed further

Verification and Claim Settlement

After receiving the documents, our dedicated verification team will initiate the process. Once the evaluation is done, the funds will be sent to the recipient directly

Frequently Asked Questions

What are the benefits of Shriram Personal Accident Insurance claim?

  • Quick Notification of Claims
  • Superfast Claim Settlement
  • Easy Claim Procedure
  • Timely Customer Assistance
  • 24*7 Online Claim Support

Why do you need Personal Accident Insurance?

A personal accident policy will protect you and your loved ones against unforeseen events.

  • The fixed sum insured is guaranteed at the time of insured losses
  • Provides financial assistance at the time of death and disability
  • Covers the policy holder's emergency hospital expenses

Are death benefits covered by the Personal Accident Insurance policy? insurance?

Yes. If an insured person dies in an accident, their dependents will receive the sum insured amount

Can I pay my Shriram Personal Accident Insurance premium in instalments?

No. Shriram Personal Accident Insurance premium must be paid as a one-time payment before the risk starts

Is a claim payable in the absence of a medical report?

No, a report is required for proof

Is it possible to include my parents in this policy?

Yes. Under this policy, your parents can be added as dependents up to 70 years of age

What our customers say ?

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I had some doubts when reading the terms and conditions of my travel insurance. I called the Shriram General Insurance helpline and they cleared up most of my doubts.

Prakash says,

SGI Health Insurance currently administers my health insurance policy. I still have a bonus and there hasn't been a claim. This insurance covers all hospitals for cashless payments. Customer support is excellent.

Apeksha says,

This group health insurance policy, which has a Rs. coverage amount, was obtained from Shriram General Insurance. They have connections with several hospitals and also offer cashless medical care.

Ashwin says,

“I am satisfied with Health insurance claim service” Got my Health  insurance policy claim. Thanks a lot for quick response. Great customer satisfaction policy

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After taking into account all other plans available, I decided to go with Shriram General Insurance for my personal insurance policy. I am extremely pleased with the outcome of my claim and the amount of time and accuracy put into it.

Meghna says,

Taken the personal insurance policy with Shriram General Insurance company around 5 years ago. My colleague is suggested me to take the policy from here. The claim ratio is more compared to others. This was taken for my family benefits and customer service is good. Thank you SGI!!

Mohan says,

Five years ago, I chose to invest in a personal insurance policy with Shriram General Insurance Company after being recommended by a colleague. They had one of the best claim ratios and the customer service is great. Taking out this policy has benefited my family immensely and I'd like to take this opportunity to thank Shriram General Insurance for their excellent services.

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I recently took out a home insurance policy with Shriram General Insurance and it covers me if there is any destruction to my property due to natural disasters such as earthquakes. I am very pleased with their customer service and quick response times. This gives me peace of mind knowing that I have this policy in place.

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My friend working for Shriram General Insurance suggested I take out a two-wheeler insurance policy from them. I've been renewing it before its expiry ever since and have been pleased with the service.I recently visited their branch and decided to renew my policy with them. The reason I chose them was because they provide first-party insurance with utmost claim amounts, plus this policy includes bumper to bumper coverage.

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