Personal Accident Cover Calculator
Estimate how much personal accident cover you need based on your income and occupation risk.
Occupation Risk Level
Recommended Cover
₹0
Income Multiple
5x
Your income needs this backup
Compare personal accident policies that match your occupation risk and this cover amount.
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What is a Personal Accident Cover Calculator?
A personal accident cover calculator estimates the lump-sum cover you should target using an income-multiple method, adjusted for your occupation risk level — office-based roles carry a lower recommended multiple than fieldwork or hazardous occupations.
Personal accident insurance pays out on accidental death or disability, distinct from life insurance (any cause of death) and health insurance (treatment costs) — it fills a specific gap those other policies don't cover.