Personal Accident Plan

Personal Accident Plan Service By Dhanalakshmi Securities

Accidents shatter people emotionally, physically and financially, draining away lifelong savings. Your happiness comes to a pause and you are left with shock and financial burden. Personal Accident plan can help you sail through steadily during these times.


What Is A Personal Accident Plan

This policy covers the owner/driver against an accidental injury or death. A lumpsum amount is paid to the insured or its family in case of death, loss of income due to permanent partial or total disability.

Coverages offered

Accidental Death Cover:

An accident can be both emotionally and financially devastating for the dependent family members. In case of fatal injuries, the entire sum assured is paid to the nominee as mentioned in the policy document.

Permanent/Total Disability Cover:

In case an accident results in permanent disabilities or lifelong total impairment Such as loss of both the limbs, then a specified sum insured amount is paid to the policyholder.

Permanent Partial Disability Cover:

If bodily injuries, resulting in permanent partial disabilities, then a certain percentage (up to 10O%%) of the benefit is paid to the insured.

Temporary Total Disability:

In case the insured meets with temporary total disabilities and is bedridden, then the insurer will provide a weekly allowance to recompense the loss of income. The insured can also utilize this claim amount to pay the EMIs, in case there is a loss of earnings.

What does Personal Accident Plan cover?
  • Accidental Death Coverage
  • Permanent Disability Coverage
  • Permanent Partial Disability Coverage
  • Temporary Partial Disability Coverage
  • Temporary Total Disability Coverage


  • Family security
  • No requirement of medical tests and documentation
  • Substantial coverage at a lower premium
  • Worldwide coverage
  • Both individual and family plans are available
  • Legal and funeral expenses are covered
  • Child education benefit
  • Double indemnity for demise/ impairment while traveling in public transport
  • Availability of customizable plans
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Event of insured sustaining injuries, solely and directly from an accident.

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Term Plan Importance

The risk to your life makes your family vulnerable. Being an earning member, any unforeseen incident can disrupt the financial stability of your family. A term insurance plan ensures that your family does not have to compromise with their lifestyle in your absence. The payout from a term plan can be used to meet the monthly expenses of the household. The sum assured can also be utilized to fulfil the crucial life goals of your children like schooling and higher education.


Thrissur district

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Our Services are available in Thrissur district and Surrounding areas.

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