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About this tool
Size accidental death and permanent disability cover from income, dependants, loans and goals, against the usual 10x income underwriting cap.
This calculator sizes a personal accident policy by the human life value method: the income your dependants would have to replace, plus loans to clear and goals to fund, minus cover you already hold and savings you can fall back on. It then tests that figure against the underwriting ceiling Indian insurers apply, which is typically ten times gross annual income. You also see the payout at each benefit level — accidental death, permanent total disablement, the scheduled percentage for loss of a limb, and the weekly benefit for temporary disability.
Open Personal Accident Cover Calculator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Shows both what you need and what insurers will issue, so gaps surface early.
Death, permanent total, partial and weekly temporary benefits are all quantified.
Indicative premium changes with the risk group your work falls into.
A common working rule is ten to fifteen times gross annual income, plus outstanding loans and any education corpus your family would still need. Most Indian insurers will not issue a capital sum insured above about ten times income without extra proof of earnings, because personal accident indemnifies lost earning capacity.
Term life pays on death from any cause, while personal accident pays only if death or disability results from an accident, and it additionally pays for permanent and temporary disability. Personal accident is far cheaper per rupee of cover but is not a substitute for term life, since most deaths are not accidental.
Yes, if the policy includes temporary total disablement. The standard Indian wording pays 1% of the sum insured per week, subject to a rupee cap that is often around Rs 5,000 a week, for a maximum of 104 weeks.
No. Accidental death and permanent total disablement usually pay 100% of the sum insured, while permanent partial disablement pays a scheduled percentage — commonly 50% for loss of one limb or the sight of one eye. The exact percentage table is printed in the policy wording, so read it before comparing quotes.
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