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What is the difference between health insurance and personal accident insurance?

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28 Dec, 2022 by  Sushmita Sinha

Hello there,

I have never taken a health insurance so am confused between the options of general health insurance and personal accident insurance. Doesn't the general one cover accident-related claims as well? So, why do we have the two separately? Can anyone please explain?

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29 Dec, 2022
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Hi Sushmita Sinha,


Seems your first time with Insurance


Why don't you speak to an advisor and figure out which is needed for your at your age


Personal Accident cover offers host of other benefits apart from accident related hospitalisation as well


For example, in case due to an accident, you are bed ridden and unable to carry on with your business/job, you can get a fixed payout from the PA cover


Will be glad to assist you in your insurance planning



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