A personal accident benefit, often included or offered as an add-on with health insurance, provides coverage for specific accidental injuries or deaths.

• Accidental death: Provides a lump-sum payment to the beneficiary in case of death due to an accident.
• Permanent disability: Covers permanent disabilities resulting from an accident.
• Temporary disability: Provides benefits during a temporary disability due to an accident.
• Medical expenses: May cover medical expenses incurred due to an accident.
• Repatriation: In some cases, it may cover the cost of repatriating the body in case of accidental death abroad.

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