What does a Personal Accident policy cover?

A standard PA policy covers Accidental Death, PTD (e.g., loss of both limbs), PPD (e.g., loss of one eye), and sometimes Temporary Total Disability (TTD) which provides a weekly cash benefit.

How much disability insurance do I need?

Aim for a sum assured that is at least 10x your annual income plus enough to cover all outstanding loans, as EMIs must continue even if you are unable to work.

Is disability cover included in health insurance?

Generally, no. Health insurance only pays for hospitalization. A dedicated Personal Accident policy or rider is required for income replacement and disability payouts.

Disability Income Planner

Estimate the cover required to replace your income in case of permanent or partial disability.

Quick Summary: Disability Income Planner

Disability insurance (Personal Accident cover) should typically be 10 times your annual income. It provides a lump sum or monthly benefit if you lose your earning capacity due to accidental death, Permanent Total Disability (PTD), or Permanent Partial Disability (PPD). This is a crucial, low-cost supplement to life and health insurance.

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Last verified May 2026

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