IndiaBanks.org · independent research

Insurance

Personal Accident - National Insurance

Personal accident insurance policy provides coverage for all expenses arising due to an accidental death, injury or any disablement. Secure yourself financially with .

Policy typePersonal accident insuranceInsurerNational Insurance Company LimitedEntry ageIndividuals up to age 70 are eligible; the Bank of Baroda page does not publish a lower entry-age limit for this product.
Official product page ↗Compare category

Quick eligibility check

Personal Accident - National Insurance

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your age meet this requirement: Individuals up to age 70 are eligible?

Published source: Entry age

2Does your age meet this requirement: the Bank of Baroda page does not publish a lower entry-age limit for this product?

Published source: Entry age

3Do you meet this requirement: Bank account holders, borrowers and co-borrowers are covered?

4Do you meet this requirement: The page states available sum-insured options range from ₹1 lakh to ₹30 lakh across plans/products?

5Document checkDo you have this required document or proof: Completed proposal form with identity, address, age, occupation and income details?

6Document checkDo you have this required document or proof: Capital sum insured and premium details in the policy schedule?

7Document checkDo you have this required document or proof: Nomination/assignment details where applicable?

8Document checkDo you have this required document or proof: Claim form and event-specific supporting documents listed in the policy wording?

0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 28 Sept 2026 · active
Personal Accident National Insurance official banner
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typePersonal accident insuranceView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
Source
Personal Accident - National Insurance
Page / section
Product title and current official product page
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
InsurerNational Insurance Company LimitedView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
Source
Personal Accident - National Insurance
Page / section
Product title and current official product page
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Personal Accident coverThe policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.View source
The official Benefits and Features sections publish worldwide scope and disablement benefits.
Source
Personal Accident - National Insurance
Page / section
Benefits / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Personal Accident additional benefitsCarriage of the deceased is covered up to 2% of capital sum insured or ₹1,000, whichever is lower. Accident medical expenses can be covered up to 10% of capital sum insured or 40% of the admissible claim, whichever is lower, at an additional premium of 20% of basic premium. Education fund is 10% of capital sum insured capped at ₹5,000 for one dependent child below 23 or ₹10,000 for more than one.View source
The official Benefits and Features sections publish transport, medical and education-fund formulas.
Source
Personal Accident - National Insurance
Page / section
Benefits / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Personal Accident eligibilityBank account holders, borrowers and co-borrowers are covered; individuals up to age 70 are eligible. The page states available sum-insured options range from ₹1 lakh to ₹30 lakh across plans/products.View source
The official publishes eligible customer types, age and sum-insured range.
Source
Personal Accident - National Insurance
Page / section
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Capital sum insuredThe Bank of Baroda product page publishes capital-sum-insured choices from ₹1 lakh to ₹30 lakh across the available personal-accident plans; the individual policy schedule records the selected amount for each insured person.View source
The official states that account holders, borrowers and co-borrowers up to age 70 can be covered and that available sum-insured options range from ₹1 lakh to ₹30 lakh across plans/products.
Source
Personal Accident - National Insurance — Bank of Baroda
Page / section
— sum insured and eligibility
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Entry ageIndividuals up to age 70 are eligible; the Bank of Baroda page does not publish a lower entry-age limit for this product.View source
The official states that bank account holders, borrowers and co-borrowers up to age 70 are eligible.
Source
Personal Accident - National Insurance — Bank of Baroda
Page / section
— eligibility
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Policy exclusionsThe individual policy excludes intentional self-injury or suicide; drug or alcohol abuse; venereal disease or insanity; pregnancy or childbirth; aviation other than permitted standard-aircraft passenger travel; non-fare-paying aircraft travel; breach of law with criminal intent; war, civil unrest or government action; and nuclear weapons, radiation or contamination. Compensation is also limited so that duplicate benefit clauses and claims after an admitted death/major-disablement claim are not paid.View source
The complete policy wording lists the exclusions under clauses 5.1 to 5.10, including self-inflicted injury, intoxication, pregnancy, aviation, breach of law, war perils and radioactivity.
Source
Personal Accident Insurance (Individual) Policy — National Insurance Company Limited
Page / section
Pages 4–5 — Clause 5 Exclusions
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Policy termOne year; the National Insurance policy wording says the policy may be renewed every year by mutual consent, with renewal premium due on or before the expiry date.View source
The policy wording defines the policy period in the schedule and states that the policy may be renewed by mutual consent every year, with renewal premium payable by the expiry date.
Source
Personal Accident Insurance (Individual) Policy — National Insurance Company Limited
Page / section
Page 7 — Clause 6.14 Renewal of Policy
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Optional accident-medical premiumAccident medical-expense extension is available up to 10% of the capital sum insured or 40% of the admissible claim, whichever is lower, at an additional premium of 20% of the basic premium. The page does not publish the base premium or a fixed quote.View source
The Benefits and Features sections state that accident medical expenses are payable up to 10% of capital sum insured or 40% of the admissible claim, whichever is lower, at an additional premium of 20% of basic premium.
Source
Personal Accident — National Insurance — official product page
Page / section
Benefits — accident medical expenses
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Waiting periodNot applicable to this accident-only policy: cover operates worldwide, 24x7, for accidental events during the policy period. Claim-notice deadlines are separate policy conditions.View source
The page describes worldwide 24x7 accidental-death/disability cover and does not specify a health-style waiting period.
Source
Personal Accident - National Insurance — Bank of Baroda
Page / section
Coverage; Claims Procedure
Accessed
7 Sept 2026
Confidence
high
Open official source ↗
Accident medical-expense premiumThe optional accident medical-expense extension costs an additional 20% of the basic premium. The page does not publish the base premium or a universal quote; it is selected in the policy schedule.View source
The official benefits section states that accident medical expenses are covered at an additional premium of 20% of basic premium.
Source
Personal Accident - National Insurance — Bank of Baroda
Page / section
Benefits — accident medical expenses
Accessed
7 Sept 2026
Confidence
high
Open official source ↗
Cumulative bonusOn continuous renewal, cumulative bonus increases the capital sum insured by 5% for each completed policy year, up to 50% of the expiring policy's capital sum insured. It is available for death, loss of limbs or sight and permanent total disablement claims, is not reduced by permanent partial or temporary total disablement claims, and is retained when renewal occurs within 30 days after expiry.View source
The policy states 5% for each completed year, maximum 50%, and retention when renewed within 30 days; it also specifies the benefit clauses to which the bonus applies.
Source
Personal Accident Insurance (Individual) Policy — National Insurance Company Limited
Page / section
Pages 2–3 — Clause 3.3 Cumulative Bonus
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Claim documentsA completed claim form is required. Depending on the claim, the policy lists an attending doctor's report, original policy for cancellation or reduction, death certificate, post-mortem or coroner report where applicable, FIR/panchnama, police inquest report, disability certificate from a government-registered medical practitioner, diagnostic reports and proof of dependent-child age for an education grant; the insurer may require other documents.View source
The policy separates the base claim form from death, disablement and education-grant supporting documents.
Source
Personal Accident Insurance (Individual) Policy — National Insurance Company Limited
Page / section
Page 8 — Clause 6.6 Claim Documents
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Claim notice and settlement timelineNotify the insurer immediately; death and major-disablement notices are due within one calendar month, supporting documents within 30 days after the loss and requested evidence within 14 days. After final documents or an investigation report, the insurer must offer settlement or communicate rejection within 30 days; accepted settlement is payable within 7 days. Delay attracts interest at 2% above the bank rate at the start of the financial year.View source
The policy gives separate deadlines for notice, documents, evidence, settlement offer and payment, including the 2% above-bank-rate delay interest rule.
Source
Personal Accident Insurance (Individual) Policy — National Insurance Company Limited
Page / section
Pages 7–8 — Clauses 6.5, 6.7 and 6.8
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Renewal, grace and free-look conditionsThe policy renews only by mutual consent. A 30-day grace period is allowed after a break, but no cover is available during the grace period. The insured has a 15-day free-look period for a new policy, subject to the stated deductions; the free-look provision does not apply to renewal.View source
The policy explicitly says coverage is unavailable during the grace period and excludes renewals from the free-look provision.
Source
Personal Accident Insurance (Individual) Policy — National Insurance Company Limited
Page / section
Pages 8 and 10 — Clauses 6.14 and 6.18
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Proposal information requiredThe linked proposal form asks for name, address, age at last birthday, profession/occupation, annual income, capital sum insured, personal-accident and medical-expense amounts, cumulative bonus earned, total/premium discount/net premium and the insurance period. It also includes an assignment declaration and truthfulness/fitness declarations.View source
The one-page proposal form contains the identity, underwriting, cover, premium and declaration fields listed above.
Source
Personal Accident Insurance (Individual) Proposal — National Insurance Company Limited
Page / section
Page 1 — proposal fields and declarations
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Linked PA Doc — alternate scheduleThe separately linked six-page PA Doc publishes a different schedule: temporary total disablement at 1% of capital sum insured up to 100 weeks with a ₹3,000 weekly cap; carriage of the dead body at 2% of capital sum insured capped at ₹2,500; and education grants for dependent children below age 25. The current 11-page policy information document publishes 104 weeks/₹5,000, ₹1,000 and age 23 respectively, so the schedule must be confirmed against the issued policy before use.View source
The linked PA Doc is official but materially different from the current policy information document; it is retained as an explicit conflict, not used to overwrite current comparison facts.
Source
Personal Accident Policy (Individual) — linked PA Doc
Page / section
Pages 1–2 — clauses 1(e), 1(f) and Special Free Benefits
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Key coverageThe policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.View source
The manually reviewed product benefits state: “The policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.”.
Source
Personal Accident - National Insurance — official product page
Page / section
Published coverage and benefits
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsThe policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.View source
The manually reviewed product record states: “The policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.”.
Source
Personal Accident - National Insurance — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • The policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.

Eligibility

  • Bank account holders, borrowers and co-borrowers are covered
  • individuals up to age 70 are eligible. The page states available sum-insured options range from ₹1 lakh to ₹30 lakh across plans/products.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Completed proposal form with identity, address, age, occupation and income details
  • Capital sum insured and premium details in the policy schedule
  • Nomination/assignment details where applicable
  • Claim form and event-specific supporting documents listed in the policy wording

Related official documents

personal accident insurance individual policy info 09 15official-product-document · current · accessed 15 Aug 2026
↗
Personal Accident official artwork routeofficial-product-image · official-asset-reused · accessed 28 Sept 2026
↗
Personal Accident Policy (Individual) — linked PA Docofficial-policy-wording · current-link-alternate-schedule · accessed 28 Sept 2026
↗
Personal Accident — National Insurance — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
Personal Accident - National Insurance — official product pageofficial-product-page · current · accessed 7 Sept 2026
↗
Personal Accident - National Insurance — current official product pageofficial-product-page · current · accessed 28 Sept 2026
↗
Personal Accident Insurance (Individual) Policy — National Insurance Company Limitedofficial-policy-wording · current · accessed 29 Aug 2026
↗
Personal Accident Insurance (Individual) Proposal — linked official formofficial-application-form · current-linked-form · accessed 28 Sept 2026
↗
Personal Accident Policy (Individual) — National Insurance policy wordingofficial-pdf · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Accidental death · Published amount or limit100% of capital sum insured

This value is copied from Personal Accident — published benefit schedule. Check the table notes before relying on it.

Source: Personal Accident — National Insurance — official product page · Features and Benefits Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsPersonal Accident — published benefit scheduleTranscribed from the Features table and adjacent benefit notes on the current Bank of Baroda product page.View tableHide table

Scroll sideways to view every column

Personal Accident — published benefit schedule
BenefitPublished amount or limit
Accidental death100% of capital sum insured
Loss of two limbs, two eyes, or one limb and one eye100% of capital sum insured
Loss of one limb or one eye50% of capital sum insured
Permanent total disablement100% of capital sum insured
Temporary total disablement1% of capital sum insured per week, up to 104 weeks; maximum ₹5,000 per week
Carriage of deceased2% of capital sum insured or ₹1,000, whichever is lower
Accident medical expenses (optional)Up to 10% of capital sum insured or 40% of admissible claim, whichever is lower; additional premium 20% of basic premium
Education fund10% of capital sum insured; maximum ₹5,000 for one dependent child below 23 or ₹10,000 for more than one
  • The page describes worldwide 24x7 coverage. The complete policy wording and schedule control claims and exclusions.
Personal Accident — National Insurance — official product page · Features and Benefits · accessed 29 Aug 2026Open official source ↗
Table 2 · 10 rows · 2 columnsPersonal Accident — current published benefit scheduleThe current Bank of Baroda page's six numbered feature rows plus the adjacent benefits, preserving the published current limits.View tableHide table

Scroll sideways to view every column

Personal Accident — current published benefit schedule
Benefit or featureCurrent published detail
Death100% of capital sum insured.
Loss of two limbs, two eyes, or one limb and one eye100% of capital sum insured.
Loss of one limb or one eye50% of capital sum insured.
Permanent total disablement100% of capital sum insured for injuries other than the named losses.
Permanent partial disablementBenefit under Table II of the policy wording.
Temporary total disablement1% of capital sum insured per week up to 104 weeks; maximum ₹5,000 per week.
Carriage of dead body2% of capital sum insured or ₹1,000, whichever is lower.
Accident medical expensesUp to 10% of capital sum insured or 40% of the admissible claim, whichever is lower; additional premium 20% of basic premium.
Education fund10% of capital sum insured, capped at ₹5,000 for one dependent child below 23 or ₹10,000 for more than one dependent child below 23.
ScopeWorldwide, 24x7 accidental death and disability cover.
  • The current page is the comparison baseline. The linked PA Doc has an alternate schedule and is shown separately below.
Personal Accident - National Insurance — current official product page · Benefits and Features lines 178–200; lines 255–266 · accessed 28 Sept 2026Open official source ↗
Table 3 · 15 rows · 2 columnsPersonal Accident — permanent partial disablement scheduleAll named rows from Table II of the current 11-page National Insurance policy information PDF.View tableHide table

Scroll sideways to view every column

Personal Accident — permanent partial disablement schedule
Loss or disablementPercent of capital sum insured
Loss of toes — all20%
Great toe — both phalanges5%
Great toe — one phalanx2%
Other than great toe — each when more than one toe is lost1%
Loss of hearing — both ears50%
Loss of hearing — one ear15%
Loss of four fingers and thumb of one hand40%
Loss of four fingers of one hand35%
Loss of thumb — both phalanges / one phalange25% / 10%
Loss of little finger — three / two / one phalange4% / 3% / 2%
Loss of ring finger — three / two / one phalange5% / 4% / 2%
Loss of middle finger — three / two / one phalange6% / 4% / 2%
Loss of index finger — three / two / one phalange10% / 8% / 4%
Loss of metacarpal — first/second additional; third/fourth/fifth additional3% / 2%
Any other permanent partial disablementPercentage assessed by the company's panel doctor.
  • This schedule is applied only to permanent partial disablement; the policy's claim conditions also require CSI reduction by the admitted amount.
Personal Accident Insurance (Individual) Policy — National Insurance Company Limited · Page 5 — Clause 2.5 Permanent Partial Disablement · accessed 28 Sept 2026Open official source ↗
Table 4 · 7 rows · 2 columnsPersonal Accident — claim document checklistClaim documents stated in Clause 6.6 of the current policy information PDF.View tableHide table

Scroll sideways to view every column

Personal Accident — claim document checklist
Claim typeDocuments stated in the policy
Every claimCompleted claim form; any other document required by the company.
DeathAttending doctor's report; original policy for cancellation; original death certificate; original/attested post-mortem or coroner report where applicable; attested /panchnama; police inquest report where applicable.
Permanent total disablementAttending doctor's report; original policy for cancellation; disability certificate from government-registered medical practitioner where applicable; diagnostic reports; police inquest report where applicable.
Permanent partial disablementAttending doctor's report; original policy for reduction in capital sum insured; disability certificate where applicable; diagnostic reports; police inquest report where applicable.
Temporary total disablementAttending doctor's report; diagnostic reports confirming injury; disability certificate and police inquest report where applicable.
Education grantProof of age of dependent children and any other document required by the company.
Optional medical-expense coverMedical bills corresponding to the doctor's prescription; any other document required by the company.
  • The insurer may request additional evidence; document timing and notice requirements are recorded in the claim timeline fact.
Personal Accident Insurance (Individual) Policy — National Insurance Company Limited · Pages 8 and 11 — Clauses 6.6 and 8.3.1 · accessed 28 Sept 2026Open official source ↗
Table 5 · 9 rows · 2 columnsLinked PA Doc — alternate benefit scheduleThe separate six-page PA Doc is preserved as an explicit alternate/older schedule because its limits differ from the current policy information document.View tableHide table

Scroll sideways to view every column

Linked PA Doc — alternate benefit schedule
BenefitPA Doc published limit
DeathCapital sum insured.
Loss of two limbs/two eyes/one limb and one eyeCapital sum insured.
Loss of one limb or one eye50% of capital sum insured.
Permanent total disablement100% of capital sum insured.
Permanent partial disablementTable in PA Doc: toes 20/5/2/1%; hearing 75%/30%; fingers and phalanges as listed in the document.
Temporary total disablement1% of capital sum insured per week, maximum ₹3,000 per week, up to 100 weeks.
Carriage of dead body2% of capital sum insured or ₹2,500, whichever is lower.
Education grant10% of capital sum insured capped at ₹5,000 for one dependent child below 25, or ₹10,000 for more than one below 25.
Cumulative bonus5% for each completed year, maximum 50%, subject to continuous renewal.
  • Use the issued policy schedule and insurer confirmation to resolve this conflict before quoting these alternate limits.
Personal Accident Policy (Individual) — linked PA Doc · Pages 1–4 — benefits, special free benefits and cumulative bonus · accessed 28 Sept 2026Open official source ↗
Table 6 · 8 rows · 2 columnsPersonal Accident — proposal form fieldsFields and declarations visible on the linked one-page proposal form.View tableHide table

Scroll sideways to view every column

Personal Accident — proposal form fields
SectionFields or declaration
ApplicantName, address, age at last birthday, profession/occupation and annual income.
CoverCapital sum insured; personal-accident amount; medical-expense amount; cumulative bonus earned.
PremiumTotal premium, discount and net premium.
PeriodInsurance start date and end date at midnight, both days inclusive.
AssignmentAssignment of money payable on death to a named relationship/assignee.
DeclarationsAnswers are true, all material particulars are disclosed, and the proposal is the basis of the contract.
Fitness declarationApplicant declares that they do not suffer from loss, disablement or defect.
ExecutionDate, place and signature of the insured.
  • The form is an application document, not a published universal premium schedule.
Personal Accident Insurance (Individual) Proposal — National Insurance Company Limited · Page 1 — all form sections · accessed 28 Sept 2026Open official source ↗

More from Bank of Baroda

Related products

Accident Care Individual Insurance Policy

Individual or family personal-accident cover underwritten by Star Health, with accidental death, permanent and temporary disablement, cumulative bonus and optional medical, hospital-cash and home-convalescence benefits.

View product

Arogya Sanjeevani Policy - National

A standard National Insurance indemnity health policy distributed through Bank of Baroda, available on an individual or floater basis with ₹1 lakh–₹5 lakh sum-insured options, hospitalisation and day-care cover, 5% co-pay, published waiting periods, full premium matrices and lifelong renewability.

View product

Auto Secure Private Car Package Policy - TATA AIG

Tata private-car package motor insurance distributed through Bank of Baroda. It combines own-damage cover for accident, fire, theft, natural and social perils with third-party liability, owner-driver personal accident cover, an -based vehicle sum insured and optional add-ons such as depreciation reimbursement, hire car, engine, tyre, roadside and misfuelling assistance.

View product

Auto Secure Two-Wheeler Package Policy - TATA AIG

Tata two-wheeler motor insurance distributed by Bank of Baroda, with liability-only or comprehensive cover, -based own-damage protection, owner-driver personal accident cover, published depreciation schedules and optional roadside, medical, invoice, consumable, personal-accident, engine, electric-surge, battery and tyre/rim covers.

View product