The 60-second version
Personal accident insurance pays lump sum on accidental death or permanent disability — IRDAI-regulated standalone PA policy fills gap when employer group PA ends on return.
PA is accident-only — not health hospitalisation cover
Personal accident insurance pays fixed benefit on accidental death, permanent total disability, or temporary total disability — distinct from health insurance hospitalisation.
Returning NRIs lose employer group PA on resignation abroad — buy standalone IRDAI PA policy before first India commute.
Health lane: health insurance portability guide for family floater after return.
PA cover tiers
| Sum insured | Annual premium (indicative) | Best for |
|---|---|---|
| ₹10 lakh | ₹800–1,500 | Single commuter |
| ₹25 lakh | ₹1,500–3,000 | Family breadwinner |
| ₹50 lakh | ₹3,000–6,000 | Self-employed |
| ₹1 crore | ₹6,000–12,000 | High-risk occupation |
PA purchase sequence
Assess risk
Commute + occupation class.
Compare quotes
3+ IRDAI insurers.
Add riders
Hospitalisation cash if needed.
Nominate
Update after return.
Renew annual
Premium rises with age.
Cover stack
PA kit
- Policy schedule.
- Nomination form.
- Claim helpline.
- Rider list.
- Renewal reminder.
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Not Section 80D
PA premium is generally not deductible under Section 80D — health insurance premium is the 80D lane.
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Turn this guide into a decision file
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vs health insurance?
PA pays fixed accident benefit; health covers hospitalisation bills.
vs term life?
Term life covers all-cause death; PA covers accident-only death/disability.
Group PA?
New India employer may offer group PA — avoid duplicate cover.
Age limit?
Most insurers cap entry at 65–70 years.
Self-employed?
Buy standalone — no employer group PA available.
Claim docs?
FIR or hospital disability certificate for permanent disability claim.
The plan is only as good as the sequence.
Tax, banking, schools, shipping — they all have dependencies. A wrong order costs months and lakhs. Get it right.