Secure Your Future with Permanent Total Disability Cover
Comprehensive protection as part of your personal accident insurance
Key Benefits

Lifetime Financial Support
Receive a lump sum payout in case of permanent disability.

Comprehensive Coverage
Protection against a range of disabling accidents.

No Premium Hike
Enjoy stable premiums for the duration of your policy.
Plans

IFFCO Tokio
Personal Accident Individual Policy
Premium: ₹350/year*
Coverage Amount: ₹5–25 Lakhs
- Covers accidental death and permanent total disability
- Education benefit for dependent children
- Ambulance and medical transport expenses covered
- Family transportation to hospital included
- Quick claim settlement support

New India Assurance
Personal Accident Policy
Premium: ₹280/year*
Coverage Amount: ₹2–20 Lakhs
- Lump sum payout for permanent total disability
- Worldwide coverage, 24x7 protection
- Optional coverage for temporary disability and medical expenses
- Discounts on group/family coverage
- Simple proposal process with no medical tests

United India Insurance
Personal Accident Insurance
Premium: ₹300/year*
Coverage Amount: ₹5–25 Lakhs
- Full sum assured on permanent total disability
- Covers loss of limbs, vision and mobility
- Add-on options for hospital expenses and education benefits
- Renewable lifelong without hassle
- Trusted government-backed insurer

ICICI Lombard
Personal Protect Plan
Premium: ₹450/year*
Coverage Amount: ₹10–50 Lakhs
- 100% payout on permanent total disability
- Coverage for accidents at work, home or travel
- Option to include accidental hospitalization
- Hassle-free online policy issuance
- No medical check-up needed for most applicants

HDFC ERGO
Accident Protection Plan
Premium: ₹400/year*
Coverage Amount: ₹5–40 Lakhs
- Comprehensive PTD benefit with accidental death cover
- Education grant for children on claim
- Covers permanent loss of speech, limbs, eyesight
- Free renewal health check-ups included
- Quick and easy claim service

Oriental Insurance
Personal Accident Policy
Premium: ₹320/year*
Coverage Amount: ₹2–20 Lakhs
- Permanent total disability cover with structured benefits
- Covers both salaried and self-employed individuals
- Cumulative bonus on no claims
- Family cover available with discounted premium
- Reimbursement for funeral expenses and repatriation
Frequently Asked Questions
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