Policy snapshot
A personal accident insurance plan that covers multiple family members under one policy.
What is Family Personal Accident Insurance?
Family Personal Accident Insurance provides accident benefits for the insured and listed family members, offering lump-sum payouts for death or disability.
What can it cover?
- Accidental death benefits for family members as per schedule
- Permanent disability cover
- Optional education and income support benefits for dependents
Who should consider it?
- Families with dependents
- Couples wanting one accident cover for the household
Key features to understand
- Family-wide protection under one policy
- Cost-effective compared to multiple individual PA covers
What deserves attention before you buy?
Coverage, exclusions, sub-limits, deductibles, waiting periods, warranties and underwriting can vary between insurers and policy versions. The policy wording and schedule remain the definitive contract. Novo can help you review the relevant terms for your requirement.
Read the wording, not just the brochure
The schedule and policy wording determine the actual contract.
Compare meaningful differences
Look at exclusions, limits, deductibles, conditions and claim requirements—not premium alone.
Think beyond purchase
Servicing and claims-related support can matter as much as placement.
Frequently asked questions
They can be structured equally or differently, depending on insurer and plan design.