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Insurance is all about careful planning for a better life, that even after an unpleasant event or its financial impact, one can take care of self and his loved ones.

It is a fact that life today is uncertain. Everybody is always at risk - on the roads, at work, while travelling, or even inside their own home. Some unfortunate accidental occurrence might bring a huge financial burden. Although one cannot guard against all uncertainties of life, one can always take steps to help tide over such accidental events.

Liberty General Insurance provides just the right kind of cover for these uncertain times with its Liberty Individual Personal Accident Policy.

Our Individual Personal Accident Policy gives complete protection against sudden, unforeseen and involuntary event beyond the control of the Person insured, caused by external, visible and violent means that might lead to death or bodily injury of the person. If the accident leads to the untimely death of the Person, the Policy will provide complete financial security to the Person's family members (Nominee). The Policy also covers eventualities where the Person insured sustains accidental injuries which cause disability (of permanent or temporary nature). In such cases the Policy will compensate a fixed percentage of Sum Insured depending upon the type of impairment. This Policy offered by us comes to you in easy to understand and over-the-counter plan options.

  • More     Eligibility

    Minimum Age at Entry (Adult) - 18 Years

    Maximum Age at Entry (Adult) - 70 Years

    (Children between 91 days and 25 years can be insured provided either parent is getting insured under the Policy.)

  • More     Features and Benefits

    Provides basic accident protection and value enhanced protection by way of add on covers.

    Options to choose the Capital Sum Insured depending upon the customer’s requirements.

    Built in value added covers of Child Education Benefit, Cost of Transportation of Mortal Remains & Cost of Performance of Death Ceremony.

    Customization of cover at the discretion of the Proposer.

    Attractive provision on Cumulative Bonus retention.

    Multi-tenure Policy option-1, 2 & 3 Years.

    Lifetime renewal.

  • More     Covers

    Accidental Death (AD): Covers Death due to Accident.

    Permanent Total Disability (PTD):Covers Permanent Total Disability due to Accident, which totally disables the Insured from attending to any occupation/job/business or normal duties for a continuous period of 12 months.

    Permanent Partial Disability (PPD):Covers Permanent Partial Disability of the Insured relating to any part of the limbs or organs of the body listed under the Policy.

    Temporary Total Disability (TTD) : Provides weekly benefit due to inability of the Insured to engage in the occupation or employment or business temporarily due to Accident.

    Child Education Benefit: Lump sum Education benefit for 2 dependent children upon Accidental Death or Permanent Total Disability of the Insured Person.

    Cost of Transporting Mortal Remains: Reimbursement of expenses incurred for transportation of mortal remains to the city of residence where the final funeral ceremony is to be performed.

    Cost of Performance of Death Ceremony : Reimbursement of expenses incurred for preparing the mortal remains for burial or cremation.

    Accidental Hospitalization Expenses: Covers Reasonable charges towards expenses incurred for medical treatment for the injury sustained following an accident.

    Accidental Hospital Daily Cash: Daily allowance subject to minimum of 48 hours of hospitalization following an accident.

    Loan Protector: Monthly allowance for payment of loans from financial institutions upon Permanent Total Disability of the Insured Person.

    Broken Bone: Covers fracture or dislocation of the bones or joints due to accident.

    Ambulance Hiring Charges: Reimbursement of expenses towards transferring the Insured Person to the nearest Hospital by ambulance offered by a healthcare or an ambulance service provider upon valid claim under accidental benefits provided in the Policy.

    Legal Bail Expenses : Makes payment towards bail fees following detention in case of involvement in an accident..

    Double Indemnity : Sum Insured equivalent to the Capital Sum Insured provided if Death or Permanent Total Disability occurs following an accidental injury whilst traveling in public carriers like Bus, ferry, hovercraft, ship, taxi, train, tram, underground train, commercial helicopter or aircraft.

  • More     Renewal Policies

    Cumulative Bonus:The Sum Insured shall be progressively increased by 5% in respect of each claim free year upto maximum accumulation of 50% for 10 claim free years.

    Lifelong Renewability without exit age limits.

    Sum Insured Enhancement:Capital Sum Insured can be enhanced at the time of renewal subject to no claim having been lodged / paid.

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