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Which of the following contingencies is not covered under personal accident policy


The below-mentioned causes of injury or death are not covered under a group personal accident insurance: Natural Death. Death or injury while under the influence of intoxicating liquor or drugs. Death or injury while engaged in an adventure sport or hazardous activity.

Which of the following is covered in personal accident?

Definition Of Personal Accident Insurance\n\n It covers hospitalisation, pre-and post-hospitalisation, and offers daily cash allowance up to 30 days, depending on the insurer.

What is personal accident policy?

Personal Accident Policy (Individual)\n\n This policy provides compensation in the event of insured sustaining injuries, solely and directly from an accident caused by violent, visible and external means, resulting into death or disablement be it temporary or permanent.

Which is the best personal accident policy in India?

Yes, a PA cover is compulsory only for the owner-driver.

What are the exclusions of Personal Accident Insurance?

Therefore, if an accident occurs in a vehicle and the vehicle damages a third-party property, the insured will not get a claim through personal accident insurance. All other exclusions can be clearly understood. All these activities increase the chance of accidents multi-fold and thus present a much higher risk than our normal day-to-day life.

Does a personal accident policy cover third-party liability?

A personal accident policy does not cover third-party liability or injury. Therefore, if an accident occurs in a vehicle and the vehicle damages a third-party property, the insured will not get a claim through personal accident insurance. All other exclusions can be clearly understood.

What does personal accident insurance cover?

The personal accident insurance policy is issued to cover the risk of accidents by external means resulting in the death or bodily injury. The bodily injury may result in to the permanent total disability or partial disability or temporary total disability.


A personal accident policy does not cover third-party liability or injury. Therefore, if an accident occurs in a vehicle and the vehicle damages a third-party property, the insured will not get a claim through personal accident insurance. All other exclusions can be clearly understood. All these activities increase the chance of accidents multi-fold and thus present a much higher risk than our normal day-to-day life.




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