Personal Accident Insurance Claim Process: Know How to Avoid Rejections

According to the World Health Organization (WHO), road traffic crashes cause around 1.19 million deaths each year and leave millions more injured worldwide. While standard health insurance cover may take care of emergency hospitalisation, the financial impact of an accident can extend beyond medical bills to income loss, recovery costs and family expenses.

A personal accident policy helps provide financial protection against accidental death, permanent or temporary disability and treatment costs. Some plans may also offer daily hospitalisation cash benefits, such as ₹1,000 per day for up to 30 days, along with child education support.

In this blog, we will cover all that you need to know about the personal accident insurance claim process.

How to Claim Personal Accident Policy?

Knowing what to expect in a personal accident insurance claim process can help you avoid delays and ensure a smoother experience. So, take a look at this step-by-step guide:

Step 1: Insurance Claim Registration

1. Visit the insurer's website to initiate a claim and click on the "My Claim" option under the claim section.

2. Enter basic details such as location, time, date of accident, and involvement of a third party.

3. Submit vehicle inspection, driver's licence number, vehicle inspection address, accident narration, and licence expiry date to complete the registration.

4. You will receive an SMS with your claim number on the registered mobile number.

Step 2: Notify Insurance Provider

1. Inform your insurer about the accident as soon as possible to start the road accident claim process. Bajaj General Insurance allows up to 30 days from the date of the accident to notify the claim.

2. Report the incident through the claims helpline, customer care, email, physical mail, website or mobile app.

Step 3: Online Claim Insurance Processing 

1. Fill out the digital personal accident insurance claim form and submit banking details.

2. Provide detailed information about how the accident occurred, injuries, reasons you sustained, and medical treatments you have had.

3. You may need to upload photos of your vehicle's condition or damaged parts.

4. Upload your vehicle registration certificate and driving licence to complete verification.

Step 4: Gather Supporting Documents and Submit Claim

1. Gather necessary documents such as medical bills or records, police reports, pictures of the accident area and witness statements.

2. In case of death, a copy of the post-mortem report must be submitted within 30 days.

Step 5: Surveyor Appointment

1. Once you make the claim, insurers will assign a qualified surveyor within 24 hours to inspect the vehicle damage.

2. They will share details, including the surveyor's contact info, responsibility, role, and scope of work.

3. The surveyor will perform a physical inspection, visiting the accident location or the workshop where your vehicle is kept.

4. Digital inspection will be conducted via video call or live video streaming to get formal approval of the car accident claim settlement.

Step 6: Receive Claim Amount 

1. You will get an SMS with a link to inform your decision to agree or disagree with the proposed claim amount.

2. If you click the agree button, you can track your claim status and will receive the claim amount within a given period.

Don’t let a single accident disrupt your family’s financial security! Choose a personal accident insurance policy from Bajaj General for lump sum protection against accidental death or disability, along with support for medical expenses and greater peace of mind.

Also Read: How Does a Group Health Insurance Coverage for Small Business Owners Help?

What are the Documents Required During Personal Accident Insurance Claim Process?

To complete the personal accident insurance claim process, submit the following documents.

Basic Claim Documents for Accidental Death

1. Duly filled and signed claim form by the nominee. 

2. Attested copy of the post-mortem examination report.

3. Original/attested copy of death certificate.

4. Copy of FIR from the police station.

Claim Documents for Permanent Total Disability, Partial or Temporary Total Disability

1. An attested copy of disability certificate stating the percentage of disability from a government hospital.

2. Duly filled-out claim form signed by the insured person.

3. Medical examinations and X-ray reports supporting the disability condition.

4. Patient's photograph before and after the accident as proof of accidental disability.

5. Documents for the children's education bonus.

6. A bona fide certificate from a college, school, or educational institution.

Relationship and Legal Proof

1. Identity proof (Aadhaar card, PAN card, or any other government photo ID).

2. Proof of relation (birth certificate, marriage certificate).

3. No objection certificate from other legal heirs.

4. Legal heir certificate (if applicable).

5. Indemnity bond on non-judicial stamp paper (or as per insurer's format).

6. Cancelled cheque of the insured person or nominee.

Documents for Medical Expense Reimbursement

1. First consultation letter from the hospital or clinic doctor.

2. Hospital discharge card.

3. Money receipt with revenue stamp signed.

4. Hospital bill with break-up of expenses such as OT charges, room rent, doctor consultation, OT consumables, visit charges, transfusion, etc.

5. Diagnostic test reports and original laboratory reports (ECG, X-ray, MRI scan, USG).

The Indian insurance premiums are growing at 9% in 2026. To stay financially prepared before costs rise further, consider buying a personal accident insurance plan. Whether it is loss of life, disability or hospital expenses, it can offer immediate financial support.

Also Read: 11 Things to Consider Before Filing Your Health Insurance Claim

Final Word

A personal accident insurance claim offers financial support in case of accidental death, disability or injury. However, claims may be rejected due to incomplete documentation, such as missing medical records, police reports or incorrect information in the claim form.

Errors or omissions can also delay claim settlement. To ensure a smoother personal accident insurance claim process, submit all required documents accurately and provide complete details at the time of filing the claim.

FAQs on Personal Accident Claim

Is FIR mandatory for every personal accident insurance claim?

Yes, FIR is mandatory for all road accidents and other cases involving criminal intent or third-party liability. For minor accidents at home, a detailed statement and a doctor's certificate are sufficient.

Can I claim for a disability that happened 2 years ago?

No, insurance companies follow the principle of proximate cause. You have to report the accident within a limited time frame (e.g., 30 days or 24 hours) as per the insurer's terms for the personal accident insurance claim process.

Who receives the claim payout if the insured person dies in an accident?

In the unfortunate event of the insured person's accidental death, 100% of the sum insured is paid to the nominee mentioned by the insured person in the personal accident insurance policy.

**Standard T&C apply

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Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.