Gray-Image
24*7 Claim Notifications

24*7 Claim Notifications

100% Paperless

100% Paperless

Best Claim settlement Awards 2022

Best Claim settlement Awards 2022

previous
  • 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
next

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
Read More
What is Personal Accident Insurance?
Nil Pending Complaints

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
Read More

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.

What our customers say ?

4.6

1753+ Customer Ratings

View all
customer

MARCUS MANOHAR PARKHE

Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.

customer

ANIL KUMAR HP

Good

customer

VAISHALI VAIBHAVKUMAR PANDYA

very good

customer

CHAUDHARI JASAVANTKUMAR

Good

customer

AKRAM KHAN

Good

left-arrowright-arrow
Quote

Blogs

Smart Roof Racks and Car Storage Solutions for Adventure Enthusiasts

Smart Roof Racks and Car Storage Solutions for Adventure Enthusiasts

Posted on 2026-02-02 12:38:40

If you enjoy road trips, camping, cycling, or simply love escaping the city whenever possible, you would have noticed how carrying the right adventure gear can be a big challenge. Cabin space is limited, and it isn’t designed to accommodate bulky or oversized equipment, such as cycles or camping tents. It is where modern car storage solutions and smart roof racks can help. Since these systems can help you carry adventure gear safely and securely on the car’s roof, you don’t have to worry about stuffing gear into footwells or blocking rear visibility. Their versatile and sturdy design makes them the perfect choice for carrying a wide range of gear, which qualifies them as a timeless storage solution for everyone. This blog provides more information about these adventure gear storage and car storage solutions so you can decide whether you need them.

Ceramic Coating vs. Car Wax: What’s Better for Your Car?

Advantages of Ceramic Coating vs. Traditional Car Wax for Paint Protection

Posted on 2026-02-02 11:23:24

Applying traditional car wax to your car’s surface can make it look glossy, but would you use it knowing it would only last a few weeks or months? It’s a dilemma many car owners experience. While they want their cars to have superior gloss and shine, they also want long-lasting performance. This requirement prompted many car owners to switch to ceramic car coating. Unlike traditional car wax, ceramic coating doesn’t fade within a few months. If you hire a professional for a precise application, it can last several years and provide supreme, long-lasting protection. In this blog, we’ve shared a detailed analysis of ceramic coating vs. car wax to help car owners make an informed choice.

Upgrade Driver Experiences with Digital Instrument Clusters

How Digital Instrument Clusters Enhance Driver Experience

Posted on 2026-02-02 06:47:14

For most car owners, their vehicle’s dashboard is the main way the car ‘talks’ to them. In most old cars, this communication was limited. It only featured a speed needle, a fuel gauge, and a few warning lights that often appeared only when something was already wrong. Besides sharing limited information, it was also challenging to understand because drivers had to interpret needles and symbols while driving. Thankfully, these concerns have been fixed by digital instrument clusters. These clusters have transformed dashboards into a smart, easy-to-read display. It shows precisely what the driver needs when they need it, and in a way that’s easy to understand at a glance. Since digital instrument clusters present information visually and logically within the driver’s line of sight, driver experience becomes more controlled, less stressful, and far more reassuring. If you’re new to these clusters, this blog will help you understand their role in enhancing driver experience.

View all
Quick renewal Quick renewal
bimabharosa
Back to TopBack to top of the pageBack to top of the page

IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

Terms and Conditions |Refund and Cancellation© 2023 Shriram General Insurance. All rights reserved.