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 15x 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.

Share this calculation:

Documentation

Quick Summary: Disability Income Planner

In FY 2026-27, a disability cover (Personal Accident policy) should be at least 15 times your annual income. Unlike life insurance, it protects your 'earning capacity' against Permanent Total Disability (PTD) or Partial Disability (PPD).

Related Calculators

Life Stage Insurance Planner

Health Insurance Adequacy Calculator

Critical Illness Need Calculator

Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.