Personal accident insurance is designed to provide financial protection in the event of accidents, but does it cover total disability? Understanding the scope and conditions of this coverage is crucial for ensuring your and your family’s financial security.

In insurance terms, total disability refers to a condition where a person becomes permanently and completely unable to work due to an accident. This can include:

• Loss of both hands or sight in both eyes

• Being bedridden for life

• Complete inability to perform any occupation

Unlike partial disability, which offers limited benefits, total disability coverage provides higher payouts, ensuring that the insured and their dependents remain financially protected.

Most personal accident policies typically include:

• Accidental Death

• Partial Disability

• Total Disability

When total and permanent disability is confirmed, the policy pays out 100% of the sum insured, giving comprehensive financial support.

Incomplete or improper documentation can lead to claim rejection.

Total disability can drastically affect your income, leaving your family vulnerable to financial stress. The payout from a personal accident policy can help cover:

• Family living expenses

• Medical bills

• Outstanding financial obligations

This coverage ensures that your loved ones remain financially secure even if you are unable to work.

A personal accident policy does pay for total disability, provided the conditions are met and the claim is supported with proper medical evidence. It acts as a safety net, protecting you and your family from sudden financial hardships caused by accidents.