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  • Overview
  • Features And Benefits
  • Calculate Premium
  • Types of Personal Accident Insuance
  • Coverages
  • Compare Plan
  • Premium Components
  • Eligibility and Required Documents
  • Buy / Renew
  • Claim Process
  • Terminologies
  • Policy Download
  • FAQs
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Personal Accident Insurance by Shriram General Insurance

One can get injured while working in a construction area, inside organisation’s premises, while crossing a road or during any other activities. A Personal Accident Insurance policy protects insured members against unforeseen events such as accidental death, bodily injuries and partial/total disabilities, both permanent and temporary, caused by an accident

  • In the event of the insured's accidental death, the nominee receives 100% compensation from the insurer. Other compensations are also available for accidental disability, such as loss of vision, limbs or speech
  • An Individual Personal Accident Insurance (IPA) protects an individual and their family members in case of accidental damage or loss i.e. accidental death, loss of limbs, sights and permanent/partial disablement
  • A Group Personal Accident Insurance is for an employer who wants their employees protected on the work premises. The policy is suitable for small as well as big enterprises as the policy cost is affordable
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What is Personal Accident Insurance?
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Nil Pending Complaints

Over 60 Lakh Happy Customers

Over 60 Lakh
Happy Customers

Why Choose Shriram Personal Accident Insurance?

Why Choose Shriram Personal Accident Insurance?

  • Shriram Personal Accident Insurance policy is issued to offer comprehensive protection against various accidents at an affordable premium. Purchasing a policy online from Shriram General Insurance is easy and hassle-free
  • Shriram Personal Accident Insurance policy provides instant claims services, with a minimum turnaround time of one working day for all claim-related queries
  • Pick and choose the right kind of plan for you, as well as your spouse, children and parents based on the amount of coverage that is just right for you
  • Anyone aged 18 to 70 years residing in India can buy personal accident insurance cover and get up to 5 lakh sum insured
  • Shriram Personal Accident Insurance policy covers for all accident-related incidents worldwide
  • Shriram Personal Accident Insurance policy covers the insured and their family members, such as the legal spouse, two dependent children and dependent parents
  • Any Children including adopted and stepchild/children of the insured person between ages 5 to 25 years, who are unmarried and permanently reside with the insured person, receive the majority of maintenance and support
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How to Calculate Shriram Personal Accident Insurance Premium

Shriram Personal Accident Insurance premiums are determined by various factors such as sum insured, type of policy, occupation, annual income, age and policy term

Sum Insured

The sum insured is the maximum amount payable in case of accidental death or permanent disability to the insured

Occupation

Insureds are classified into several categories based on their occupation risk. The insured's occupation also determines the premium payable

Annual Income

Generally, the sum insured of personal accident insurance is calculated based on the insured's annual income

Age

The age of the insured is also taken into account when calculating the personal accident insurance premium

Type of Policy

Plan and coverages selected by the insured for personal accident insurance is one of the personal accident premium components

Policy Term

A longer policy term will result in a higher premium. An increase in the premium is also associated with an extension of the coverage period

Benefits of Renewing Shriram Personal Accident Insurance

Benefits of Renewing Shriram Personal
Accident Insurance

Renewal of a personal accident insurance policy is quick and easy with Shriram General Insurance. One can purchase or renew personal accident insurance in just a few steps. On-time renewal offers the following benefits:

  • Extend the risk coverage
  • Easy and instant claims
  • Get accidental death benefits
  • Financial security for your family
  • Permanent/total disability coverage

Frequently Asked Questions

Why do you need Personal Accident Insurance?

A personal accident insurance 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 insured's emergency hospital expenses

What is the maximum tenure of Shriram Personal Accident Insurance?

Shriram Personal Accident Insurance can be bought for a maximum of 3 years as a one-time purchase

Does Shriram Personal Accident Insurance operate 24X7?

Yes, Shriram Personal Accident Insurance operates 24x7

Can I apply for a duplicate policy on Shriram General Insurance website?

Yes, you can apply for a duplicate policy by submitting a written request and paying a nominal fee.

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Blogs

A Guide to Digital Car Keys and Cloud-Enabled Backup Cameras

Digital Car Keys and Cloud-Connected Backup Cameras

Posted on 2025-12-22 09:36:24

Do you often worry about what happens to your car when you leave it at the valet, or have a habit of unintentionally misplacing car keys? These are common concerns and instances that some car owners face. You can fix all this by using digital car keys and cloud-connected car cameras. Digital car key security will let you use your smartphone to open and lock your vehicle. It makes access easier and more flexible. Cloud-connected smart backup cameras go beyond basic reversing, helping you record incidents and storing them online. You can view this footage remotely to stay fully aware of what’s happening around and with your car. Together, these advanced technologies can help you reduce car-related stress and improve your vehicle’s safety. If you’re new to these technologies and wondering how they work and how they can benefit you, then read the full blog.

Enhance Driving Experiences with AI Dash Cams

AI-Powered Smart Dash Cams with Behaviour Analysis

Posted on 2025-12-19 11:55:16

India reported nearly 1,68,491 road accident-related deaths in 2022 alone because of the driver’s fault. This figure is a result of speeding, drunken driving, driving on the wrong side, jumping red lights, using a mobile phone while driving, and other reasons. These deaths could have been avoided had the drivers been attentive while driving. This is why more fleet companies and regular car owners are turning to AI dash cams. Unlike traditional dash cameras, these advanced car accessories monitor both the road ahead and the driver’s actions inside the cabin. They use machine learning and computer vision to monitor and analyse the driver’s behaviour. It helps the system detect risky actions, enabling real-time alerts to prevent road accidents. If you’re curious to learn how smart dash cameras help drivers become more attentive and careful to prevent road accidents, then you must read the full blog.

Top Cars for Tall Drivers in Hatchback, Sedan, and SUV Range

Best Cars for Taller People in Hatchback, Sedan, and SUV in India

Posted on 2025-12-18 05:40:24

Tall people cannot simply choose a car for themselves based on its key features and aesthetic highlights. They need to assess a crucial aspect -whether they can sit inside comfortably and drive without any inconvenience. For this, the car must have ample headroom, legroom, and adjustable seating. If any of these aspects are missing, they may struggle to keep their neck and head upright, feel cramped when applying brakes, and so on. Not only will it make the experience inconvenient, but it will also make driving unsafe. Hence, we’ve shared a list of the best cars for tall people in India, categorised into hatchbacks, sedans, and SUVs, to facilitate easy decision-making.

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