Health Insurance vs Personal Accident Insurance: Know the Difference

Both health insurance policies and personal accident insurance policies help us in dealing with medical emergencies. Health insurance provides comprehensive coverage that can offer accident insurance cover also. But personal accident cover is only limited to accident-related hospitalization expenses. Both the policies vary in terms of coverage, features, sum insured, etc.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      So, before you make a purchase it’s important to understand the difference between the two. Read on to know more about health insurance and personal accident insurance in detail.  

      Personal Accident Insurance vs. Health Insurance

      Check out the below table to know the differences between Health Insurance and Personal Accident Insurance:


      Health Insurance

      Personal Accident Insurance


      Covers various medical expenses

      Covers injuries/illness specific to an accident

      Nature of the Plan

      Comprehensive cover

      Add-on cover

      Scope of Cover



      Is an additional premium required?

      Only for add-on covers

      Yes, as this is an add-on  cover

      Option to buy add-on cover



      Tax benefit cover


      No (only on the base plan)

      Pre-existing disease cover

      After waiting period cover


      Maternity cover

      As an add-on cover


      Collision cover


      Full coverage

      Critical Illness cover

      As an add-on cover


      Waiting period

      9 months to 4 years


      Health Insurance

      As the name suggests health insurance policies cover the overall medical expenses incurred by the policyholder. Medical coverage is provided for various illnesses including COVID-19 treatment, maternity expenses, cancer, daycare treatments, etc.  

      From routine illnesses to critical illnesses a wide-range of hospitalization expenses are covered except for some treatments that are beyond the scope of cover. You can choose from different health insurance options that are:

      1. Individual Health Insurance Plans- Coverage is provided to one individual, i.e. the policyholder, who gets medical insurance cover against the premium paid.
      2. Family Floater Health Insurance Plans- In family floater policy coverage is provided to an individual, where he/she can include his family members including spouse, children, and parents.
      3. Senior Citizen Health Insurance Plans-Such plans are designed to offer medical cover to elderly people above the age of 60 years.
      4. Coronavirus health insurance Plans- You can choose COVID specific health from any of the health insurers. Or you can buy Corona Kavachand Corona Rakshak health plans.
      5. Critical Illness Insurance Plans- A critical illness policy covers major illnesses such as cancer, tumor, liver ailments, kidney failure, cardiovascular diseases, etc.
      6. Top-Up Health Insurance Plans-You can buy top up health plans along with your current health plan and once its threshold limit is over, you can utilize this one over and above your base medical insurance coverage amount.

      While purchasing a health insurance policy, the insurer would require some data including your medical history to assess the risk involved. Based on the type of policy (individual health plan, family floater, top-up plan, senior citizen health plan, and women-specific health plans) the policy premium is decided.

      You can avail cashless hospitalization benefit at the network hospitals, which means that the insurance company settles the bill directly with the hospital and you don’t need to spend any money ( unless there is any sub-limit or deductible clause).

      Not only this, even accidental medical expenses are covered under the basic health insurance plans. And after the COVID-19 pandemic, a health insurance policy has become more than inevitable. It helps the insured and their family members in availing the best medical treatment without draining their savings.

      So, do you need Accident cover if you already have Health Insurance?

      What is Personal Accident Cover in Health Insurance?

      Personal accident insurance covers hospitalization expenses incurred on accidental treatment. These plans are designed specifically to help people pay for their medical emergencies arising after an accident. Therefore, under any circumstances, these policies should not be replaced by your regular medical insurance plans.

      Under accidental insurance, the policyholder gets complete insurance protection against accidental injuries and wounds. Also, there are multiple add-on covers under accidental insurance that the policyholder can avail of.

      Sum Insured

      The sum insured in health insurance plans can range from Rs 3 lakh to Rs 1 Crore and even higher. While the limit for personal accident health insurance plans is up to Rs 50 lakh in most cases.


      The premium for health insurance plans is usually on the higher side. Whereas, a personal accident insurance policy is cheaper than a health insurance policy as it offers limited coverage benefits/

      In a Nutshell

      As now you know the difference between the two, you can buy either of them as per your requirement. For more details, you can speak to our health insurance experts and find the best medical policy to insure yourself and your loved ones during these vulnerable times. If you need any more details you can write to us at or call us at 1800-708-8787.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does HDFC ERGO Health Insurance Cover Dental Treatments?

      22 May 2024

      HDFC ERGO General Insurance Company offers various health
      Read more
      Does Aditya Birla Health Insurance Cover Dental Treatments?

      17 May 2024

      Dental insurance is vital in maintaining oral health by covering
      Read more
      Does Niva Bupa Health Insurance Cover Dental Treatments?

      06 May 2024

      Dental insurance covers regular dental check-ups and treatments to
      Read more
      Surgeries Covered by TATA AIG Health Insurance Plans

      26 Apr 2024

      Amidst the escalating healthcare costs nationwide, managing the
      Read more
      Surgeries Covered by Liberty Health Insurance Plans

      26 Apr 2024

      Liberty General Insurance Limited offers a range of comprehensive
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Zero Waiting Period in Health Insurance Plans
      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
      Read more
      Heart Surgery Cost in India
      Heart diseases are the leading cause of death across the globe. As per a survey by the World Health Organisation
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.