IRDAI Certified Coverage

Stay Secure Against
Life's Unexpected
Accidents

Individual personal accident insurance starting at ₹199/year — covers accidental death, disability, hospitalisation, and income loss due to accidents.

Accident Cover Disability Benefit Plans from ₹199/yr Hospital Cash Benefit

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2,500+ Individuals Covered Trusted by VCULP clients across India

24/7 Coverage

Worldwide protection

Accidental Insurance

Individual Personal Accident Cover

Sum Assured Up to ₹25 Lakh

Accidental Death Benefit

Full sum insured paid to nominee on accidental death

Permanent Disability

100% payout for total permanent disability

Hospitalisation Benefit

Daily cash benefit during accident hospitalisation

Income Loss Coverage

Weekly benefit if unable to work due to accident

Instant Claim

48hr settlement

Why Accidental Insurance?

Accidents Are Unpredictable — Your Cover Shouldn't Be

Road accidents, workplace injuries, sports mishaps — accidents can happen to anyone, anytime. Personal accident insurance ensures you and your family are never financially unprepared.

Road Accident Risk

India has one of the world's highest road accident rates. Personal accident cover ensures full financial protection for you and your family.

Disability Protection

A permanent disability can end your earning capacity. Accident insurance compensates with a lump sum payout to cover your future expenses.

Income Replacement

If an accident forces you to take time off work, weekly income benefit coverage ensures your family's expenses are covered during recovery.

Very Affordable Cover

Personal accident insurance is one of the most affordable insurance products — giving maximum protection at a very low annual premium.

What's Covered?

Comprehensive Cover for Every Accident Scenario

Our personal accident plans are designed to protect you against all major accident-related risks — from minor injuries to permanent disability and accidental death.

Accidental Death

Full sum insured paid as lump sum to the nominee in case of accidental death anywhere in the world.

Permanent Disability

100% of sum insured for total permanent disability — loss of both eyes, hands, or feet due to accident.

Hospitalisation & ICU

Daily cash allowance for each day of hospitalisation following an accident-related injury.

Plan Highlights

Included Benefits

Active Coverage

Accidental Death Benefit

100% sum insured to nominee in case of accidental death.

Permanent Total Disability

Full payout for loss of limbs, sight, or total incapacitation.

Hospital Daily Cash

Per-day benefit during hospitalisation for accident injuries.

Weekly Income Benefit

Compensation for income loss during accident-related recovery.

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Our Plans

Choose the Right Accident Protection Plan

From basic accident cover to comprehensive plans with income replacement — we have affordable options for every individual's needs.

Basic Protection

Basic Accident Plan

Essential personal accident cover for accidental death and permanent disability — the most affordable entry-level protection.

Starting from

₹199/year

Accidental death cover

Permanent disability

Worldwide coverage

Instant digital policy

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Best Value

Recommended for All

Comprehensive Plan

Full personal accident coverage including death, disability, hospitalisation benefit, and weekly income loss — complete peace of mind.

Starting from

₹599/year

Death + disability cover

Hospital daily cash

Income loss benefit

Education fund for child

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For Working Professionals

Professional Plan

Designed for working individuals — includes income replacement, EMI protection, and career-specific accident coverage for maximum financial security.

Starting from

₹999/year

Higher sum insured

EMI protection benefit

Extended income cover

Adventure sports option

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How Claim Process Works

Simple Steps for a Fast Accident Claim

From accident reporting to claim payout — our 4-step process ensures every personal accident claim is handled quickly, fairly, and without hassle.

Report Immediately

Inform the insurer and your VCULP advisor immediately after the accident. File an FIR with police if required for the case.

Get Medical Treatment

Seek immediate medical attention. Keep all doctor reports, discharge summaries, diagnosis certificates, and hospital bills safely.

Submit Claim Documents

Share policy documents, FIR copy, medical records, disability certificate (if applicable), and identity proof with the insurer.

Claim Verification & Payout

Documents are verified and claim is settled within 48 hours — directly credited to your bank account or paid to nominee.

Start Your Claim Get Claim Assistance

Stay Secure Against Life's Unexpected Accidents

Accidents Are Unpredictable — Your Cover Shouldn't Be

Road Accident Risk

Disability Protection

Income Replacement

Very Affordable Cover

Comprehensive Cover for Every Accident Scenario

Accidental Death

Permanent Disability

Hospitalisation & ICU

Included Benefits

Choose the Right Accident Protection Plan

Basic Accident Plan

Comprehensive Plan

Professional Plan

Simple Steps for a Fast Accident Claim

Report Immediately

Get Medical Treatment

Submit Claim Documents

Claim Verification & Payout

Stay Secure Against
Life's Unexpected
Accidents