7 Reasons to Buy Term Insurance With Personal Accident Cover
If you care about your family, you already know why protection matters. Life is uncertain.
Anything can happen in a moment.
A small step, a small slip, or a small mistake on the road can change everything. This is why many people buy term insurance to give their families financial safety. But today, a normal term plan is not enough. A very smart choice is to take personal accident insurance along with your term insurance plan.
Personal accident cover is simple. If an accident happens and it leads to death or disability, the insurer pays extra money to your family. This money can help your family manage their life without worry.
In this simple and friendly guide, let us look at 7 clear reasons why you should buy term insurance with personal accident cover. Any students, homemakers, new earners, or retirees can understand this easily.
1. It gives extra protection at very low cost.
A normal term insurance plan already gives a large cover at a small premium. But when you add personal accident insurance, you get even more safety without paying too much. The cost of this add-on is very low. Sometimes it costs less than what you spend on a monthly meal.
Why is it cheap?
Because accidents are sudden events. They do not depend on lifestyle, age, or long-term diseases. So insurers can keep the price low.
Think of it like this: you pay a small extra amount, but your family gets a big benefit if something unexpected happens. It is one of the best ways to buy term insurance smartly.
2. Road Accidents Are Increasing Every Year
This is a sad truth, but it is important to understand. Each year, accidents on Indian roads are rising. Cars, bikes, buses, and even pedestrians face danger. Even safe drivers cannot control how others behave on the road.
Accidents do occur:
* While driving
* While walking
* While traveling in buses, autos and trains
* Even inside factories or at workplaces.
A normal term insurance plan only covers general death. But personal accident insurance covers accidental death and also injuries that lead to disability.
In a world where accidents are becoming common, this extra layer of protection is more important than ever.
3. It Covers Disability, Not Only Death
This is one of the most potent reasons to take this cover. A regular term plan only pays money if the policyholder dies. But what if you survive an accident but lose your ability to work?
Accidents may cause:
* Amputation of a limb
* Loss of vision
* Permanent disability
* Disability temporary
These injuries can stop you from working for months or even forever. In such cases, your income stops, but your expenses continue.
Your family still needs money for:
* Food
* Rent or EMIs
* School fees
* Medical bills
Personal accident insurance helps by paying a lump sum amount. This money becomes a lifeline when you cannot earn. It does not only protect your family, but it protects you.
4. It Helps Your Family Avoid Financial Stress During Hard Times
Imagine a situation where the breadwinner of the family faces a major accident. There is pain, shock, and fear. On top of that, there will be medical bills, hospital visits, and extra family expenses.
In such times, money is even more important. Personal accident cover makes sure your family gets extra financial support. This gives them strength and calm during chaos. They don’t have to borrow money, sell assets, or depend on others. This extra payout can help the family settle, heal, and slowly rebuild life.
It is not just insurance; it's peace of mind.
5. It is ideal for people who travel or work outdoors.
Some of them work in hazardous occupations such as:
* Salespeople who travel daily
* Delivery partners
* Drivers
* Construction workers
* Factory workers
* People who use their bikes for commuting daily
* Field officers
These people face more danger than those who sit in offices. Even students or homemakers who move around daily face road risks.
If you are someone who travels often or works outdoors, then buying term insurance with personal accident cover is not optional, it is essential. It gives your family the right shield against life’s risky moments.
6. It gives more value than a basic term plan
A basic term plan is good. It gives your family money if you pass away. But when you add personal accident insurance, you turn a simple plan into a powerful protection tool.
Here is an example to illustrate it:
Excluding personal accident cover,
* If you die, your family gets only the term insurance amount.
* If you become disabled, your family gets nothing.
With personal accident cover,
* Your family gets term insurance and accident benefits, extra money.
* You still get a payout if you become disabled.
This means for a very low cost, you enhance your financial security.
It's value for money, smart planning, and the future of protection in modern times.
7. It Allows You to Build a Complete Protection Strategy
Many people think buying term insurance is enough. But true financial planning means protecting yourself from all major risks of life, such as:
* Sickness
* Accidents
* Disability
* Loss of income
Personal accident cover fills the gap that a normal term plan leaves behind. It makes your protection complete. A strong financial plan is not only about wealth creation. It is also about wealth protection.
When you buy term insurance with accident cover, you are giving your family a 360-degree safety net. No surprises. No shocks. Only peace.
Who Should Buy Term Insurance With Personal Accident Cover?
This plan is valuable to almost anyone, but in particular to:
* People who commute daily
* Two-wheeler riders
* Young Earners
* Parents of small kids
* Homemakers who want to support family safety
* Business owners
* Self-employed individuals
* People who work in factories or working outdoors
Regardless of your age or income, this simple add-on brings huge value.
How Much Personal Accident Cover Should You Take?
A good rule is:
* Select accident cover equal to your main term insurance amount.
* Or at least 50% of your principal life cover.
If your term insurance is Rs1 crore, take Rs50 lakh to Rs1 crore accident cover. This gives your family the right balance of safety.
Conclusion
Life is uncertain, but your protection does not have to be. Adding personal accident insurance to your term plan is one of the smartest decisions you can make today. It gives extra safety, more peace, and full protection at a very small extra cost. If you love your family, protect them with tools that truly work. So take the next step today.
Compare plans, choose smartly, and buy term insurance with accident cover to safeguard your future. Your family deserves a life without financial stress, and this simple add-on can
Anything can happen in a moment.
A small step, a small slip, or a small mistake on the road can change everything. This is why many people buy term insurance to give their families financial safety. But today, a normal term plan is not enough. A very smart choice is to take personal accident insurance along with your term insurance plan.Personal accident cover is simple. If an accident happens and it leads to death or disability, the insurer pays extra money to your family. This money can help your family manage their life without worry.
In this simple and friendly guide, let us look at 7 clear reasons why you should buy term insurance with personal accident cover. Any students, homemakers, new earners, or retirees can understand this easily.
1. It gives extra protection at very low cost.
A normal term insurance plan already gives a large cover at a small premium. But when you add personal accident insurance, you get even more safety without paying too much. The cost of this add-on is very low. Sometimes it costs less than what you spend on a monthly meal.
Why is it cheap?
Because accidents are sudden events. They do not depend on lifestyle, age, or long-term diseases. So insurers can keep the price low.
Think of it like this: you pay a small extra amount, but your family gets a big benefit if something unexpected happens. It is one of the best ways to buy term insurance smartly.
2. Road Accidents Are Increasing Every Year
This is a sad truth, but it is important to understand. Each year, accidents on Indian roads are rising. Cars, bikes, buses, and even pedestrians face danger. Even safe drivers cannot control how others behave on the road.
Accidents do occur:
* While driving
* While walking
* While traveling in buses, autos and trains
* Even inside factories or at workplaces.
A normal term insurance plan only covers general death. But personal accident insurance covers accidental death and also injuries that lead to disability.
In a world where accidents are becoming common, this extra layer of protection is more important than ever.
3. It Covers Disability, Not Only Death
This is one of the most potent reasons to take this cover. A regular term plan only pays money if the policyholder dies. But what if you survive an accident but lose your ability to work?
Accidents may cause:
* Amputation of a limb
* Loss of vision
* Permanent disability
* Disability temporary
These injuries can stop you from working for months or even forever. In such cases, your income stops, but your expenses continue.
Your family still needs money for:
* Food
* Rent or EMIs
* School fees
* Medical bills
Personal accident insurance helps by paying a lump sum amount. This money becomes a lifeline when you cannot earn. It does not only protect your family, but it protects you.
4. It Helps Your Family Avoid Financial Stress During Hard Times
Imagine a situation where the breadwinner of the family faces a major accident. There is pain, shock, and fear. On top of that, there will be medical bills, hospital visits, and extra family expenses.
In such times, money is even more important. Personal accident cover makes sure your family gets extra financial support. This gives them strength and calm during chaos. They don’t have to borrow money, sell assets, or depend on others. This extra payout can help the family settle, heal, and slowly rebuild life.
It is not just insurance; it's peace of mind.
5. It is ideal for people who travel or work outdoors.
Some of them work in hazardous occupations such as:
* Salespeople who travel daily
* Delivery partners
* Drivers
* Construction workers
* Factory workers
* People who use their bikes for commuting daily
* Field officers
These people face more danger than those who sit in offices. Even students or homemakers who move around daily face road risks.If you are someone who travels often or works outdoors, then buying term insurance with personal accident cover is not optional, it is essential. It gives your family the right shield against life’s risky moments.
6. It gives more value than a basic term plan
A basic term plan is good. It gives your family money if you pass away. But when you add personal accident insurance, you turn a simple plan into a powerful protection tool.
Here is an example to illustrate it:
Excluding personal accident cover,
* If you die, your family gets only the term insurance amount.
* If you become disabled, your family gets nothing.
With personal accident cover,
* Your family gets term insurance and accident benefits, extra money.
* You still get a payout if you become disabled.
This means for a very low cost, you enhance your financial security.
It's value for money, smart planning, and the future of protection in modern times.
7. It Allows You to Build a Complete Protection Strategy
Many people think buying term insurance is enough. But true financial planning means protecting yourself from all major risks of life, such as:
* Sickness
* Accidents
* Disability
* Loss of income
Personal accident cover fills the gap that a normal term plan leaves behind. It makes your protection complete. A strong financial plan is not only about wealth creation. It is also about wealth protection.
When you buy term insurance with accident cover, you are giving your family a 360-degree safety net. No surprises. No shocks. Only peace.
Who Should Buy Term Insurance With Personal Accident Cover?
This plan is valuable to almost anyone, but in particular to:
* People who commute daily
* Two-wheeler riders
* Young Earners
* Parents of small kids
* Homemakers who want to support family safety
* Business owners
* Self-employed individuals
* People who work in factories or working outdoors
Regardless of your age or income, this simple add-on brings huge value.
How Much Personal Accident Cover Should You Take?
A good rule is:
* Select accident cover equal to your main term insurance amount.
* Or at least 50% of your principal life cover.
If your term insurance is Rs1 crore, take Rs50 lakh to Rs1 crore accident cover. This gives your family the right balance of safety.
Conclusion
Life is uncertain, but your protection does not have to be. Adding personal accident insurance to your term plan is one of the smartest decisions you can make today. It gives extra safety, more peace, and full protection at a very small extra cost. If you love your family, protect them with tools that truly work. So take the next step today.
Compare plans, choose smartly, and buy term insurance with accident cover to safeguard your future. Your family deserves a life without financial stress, and this simple add-on can
Copyrights © 2025 Inspiration Unlimited - iU - Online Global Positivity Media
Any facts, figures or references stated here are made by the author & don't reflect the endorsement of iU at all times unless otherwise drafted by official staff at iU. A part [small/large] could be AI generated content at times and it's inevitable today. If you have a feedback particularly with regards to that, feel free to let us know. This article was first published here on 17th December 2025.
Overthinking? Uninspired? Brain Fogged?
Let's Reset That! Try iU's Positivity Chat NOW!
All chats are end-to-end encrypted by WhatsApp and won't be shared anywhere [won't be stored either].
