Because Life Can Change in a Moment. Make Sure Your Family Doesn’t Suffer Twice
Personal Accident Insurance in Ahmedabad & Gujarat
“I never thought it would happen to me.”
That’s what nearly every accident victim says. Whether it’s a road crash, a fall, or an unexpected mishap at home or work—life can flip upside down in seconds.
And while you focus on healing, your family could suddenly be struggling to pay bills, EMIs, children’s school fees, or even daily expenses.
That’s where a solid Personal Accident Insurance policy—picked and managed by SMNICS—becomes your family’s lifeline.
Why Every Indian Needs Personal Accident Cover (and Real Guidance)
Accidents in India are common—and costly:
- India sees 1.5 lakh+ road accident deaths every year (and many times more serious injuries)
- Medical bills, rehab, job loss, or permanent disability can destroy years of savings
- Government help or employer cover is rarely enough—or never arrives on time
Most people think “it can’t happen to me.”
But what if it does?
- Who pays the EMIs if you’re bedridden for months?
- Who covers school fees, groceries, or your family’s rent?
- Will your spouse or parents know how to claim? Will the insurer even pay, or hide behind fine print?
That’s where SMNICS stands by your side—not just at purchase, but at every critical moment.
What Makes SMNICS Different?
Not Just a Policy Seller—Your Family’s Insurance Bodyguard
- Personal Guidance: We understand your life, risks, job, family needs, and then recommend what’s really needed. No “one-size-fits-all.”
- True Comparison: Not just who’s cheapest, but who pays claims, who covers fractures, partial disability, or daily hospital cash.
- Full Service: We fill forms, guide you on correct disclosures, help select add-ons (like child education cover, ambulance costs), and make sure no detail is missed.
- Lifetime Claim Support: If the unthinkable happens, we handle paperwork, talk to hospitals, follow up with insurers, and get your family paid.
What Does Personal Accident Insurance Cover? (And What to Watch Out For)
A. Core Protection
- Accidental Death: Lump sum payout to your nominee if you die due to an accident (car, bike, fall, workplace mishap, etc.)
- Permanent Total Disability: If you lose limbs, sight, or become permanently disabled, the policy pays the full sum insured
B. Extra Coverage (Depending on Plan)
- Permanent Partial Disability: If you lose a finger, toes, one eye, etc.—get a percentage of the sum insured
- Temporary Total Disability: Can’t work for weeks/months? Get weekly/monthly payouts to replace lost income
- Hospitalization Cover: Daily hospital cash, ambulance expenses, and rehabilitation costs
- Child Education Allowance: Helps pay for your child’s schooling if you suffer death or permanent disability
- Broken Bones & Burns: Some plans pay for fractures, burns, or minor injuries—SMNICS will guide you
C. Add-Ons (SMNICS Reviews What’s Worthwhile)
- Worldwide coverage (if you travel abroad)
- Coverage for accidents at home, work, or in transit
- Double benefit for death/disability in public transport accidents
What’s Not Covered (and How SMNICS Protects You From Surprise)
Honesty matters—here’s what most accident policies don’t cover:
- Death/injury from illness, suicide, or self-inflicted harm
- Accidents under influence of alcohol/drugs
- Injury during dangerous adventure sports (unless specifically covered)
- Pre-existing disabilities
- War, terrorism, nuclear incidents
- Criminal acts or illegal activities
Our job: To make sure you know exactly what’s excluded—before you buy. No surprises, no hidden clauses.
How SMNICS Makes the Difference:
1
Personal Risk Audit
We look at your age, job, daily commute, existing insurance, dependents, and financial needs.
2
Custom Plan Match
Compare plans from all major insurers—Reliance, HDFC Ergo, Bajaj Allianz, ICICI Lombard, Oriental, New India, Tata AIG, SBI, and more.
3
Full Application Assistance
We handle paperwork, disclosures, premium payment, and confirmation. We make sure all details are correct for fast, future claims.
4
Family Preparation
We provide your family a “what to do if…” action card, so they’re never lost or panicked.
5
Claims Advocacy
If you ever need to claim, SMNICS manages documents, hospital coordination, insurer follow-up, and (if needed) complaint escalation. Your family is never alone.
Who Needs Personal Accident Insurance?
- Salaried professionals, self-employed, and business owners
- Parents (to protect children’s future)
- College students, young adults starting work
- Senior citizens (special plans available)
- Anyone commuting by car, bike, bus, or train in India (that’s nearly everyone!)
- Anyone with dependents or loans
You may have health insurance—but health plans rarely cover disability, income loss, or death from accident. That’s why personal accident cover is essential.
FAQs: Your Questions, Our Straight Answers
What is personal accident insurance and why do I need it in India?
Personal accident insurance provides financial support in case of accidental death, disability, or injuries. In India, where road and workplace accidents are common, this cover is vital for anyone with dependents or loans.
How much personal accident insurance cover should I have?
Most experts suggest cover equal to at least 5-10x your annual income, plus any loans. SMNICS helps you decide the right sum insured based on your unique risks and needs.
Which are the best personal accident insurance companies in India?
Top insurers include ICICI Lombard, HDFC Ergo, Bajaj Allianz, Oriental, New India, Tata AIG, Reliance, and SBI. SMNICS compares all major providers for coverage, premium, and claims experience.
Can I buy personal accident insurance for my parents or family members?
Yes. SMNICS helps arrange individual or family accident policies for working members, spouses, children, and even senior citizens.
Is accidental death cover different from term life insurance?
Yes. Term insurance pays for any death (accident, illness, natural). Accident insurance only pays for accidental deaths and injuries—but often at a much lower cost, and includes disability benefits.
Does my health insurance policy include accident cover?
Most health policies only cover hospitalization due to accident. They do not pay for income loss, disability, or accidental death lump sum. That’s why a separate personal accident policy is important.
Does personal accident insurance cover minor injuries or fractures?
Some plans do—SMNICS reviews your options and recommends plans with best fracture, burn, or minor injury benefits.
Are there any exclusions I should know about?
Yes. Major exclusions are alcohol/drug use, suicide, dangerous sports, war/terrorism, and pre-existing disabilities. SMNICS explains all exclusions before you buy.
How do I make a claim on personal accident insurance in India?
Call us or your insurer immediately. Submit claim form, FIR/accident report, medical/hospital records, and proof of disability/death. SMNICS guides you through every step—till you get paid.
Does SMNICS charge extra for claim help or advice?
Never. Our consulting and claim advocacy are free if you buy through us. Our priority is your payout and your family’s security.
Can NRIs buy personal accident insurance for families in India?
Yes, NRIs can secure accident cover for parents or family members in India. SMNICS handles all paperwork, KYC, and service.
What is the claim settlement ratio and does it matter for accident insurance?
Absolutely. Some insurers have better claim records for accident claims. SMNICS uses this data to match you with the most reliable provider.
Don’t Let an Accident Become a Financial Tragedy. Let SMNICS Shield Your Family
Accidents don’t come with warnings. Financial protection should.
Call now for a free, no-obligation personal accident insurance review
WhatsApp us for instant comparison and expert answers
Visit our Ahmedabad office, or schedule a home/office visit—your family’s future deserves it
Call Sharmaji now:
- Phone: 88492 83897
- Email: nps@ahmedabadinsurance.com
- Office: Titanium City Centre Mall, Office No. 313, 100 Feet Road, Satellite, Ahmedabad – 15
