Health insurance covers hospital bills. It doesn't replace the income you lose if an accident leaves you unable to work. VIRA helps individuals and business owners in Ahmedabad structure personal accident and disability cover that actually protects earning capacity, not just medical expenses.
Most people in Ahmedabad have some form of health insurance, but far fewer have thought through a simpler, more common risk: what happens to household income if an accident leaves the primary earner unable to work — for a few months, or permanently? Personal accident and disability insurance is built specifically to answer that question, paying out based on the disability itself rather than the medical bill. VIRA helps salaried professionals, self-employed individuals, and business owners across Ahmedabad understand this often-overlooked gap and structure cover that matches their actual income and occupation risk.
Personal accident (PA) insurance pays a lump sum or income benefit if the policyholder suffers accidental death, permanent total disability, permanent partial disability, or temporary total disability, as defined by the policy. Unlike health insurance, which reimburses actual hospital bills, PA cover pays a pre-agreed sum based on the nature of the injury — regardless of what treatment actually cost. Disability insurance (sometimes offered as an extension of PA cover, sometimes as a separate income-replacement product) specifically addresses the loss of earning capacity, paying either a lump sum or a monthly income benefit for a defined period if the policyholder cannot work due to the disability. Together, these covers fill the gap that health insurance and even term life insurance leave open — protection against surviving an accident but losing the ability to earn.
Anyone whose household depends on their active income — not just their savings — carries this risk, regardless of age or existing health cover.
No employer-provided disability benefit or paid sick leave to fall back on if unable to work.
Families where one income supports EMIs, school fees, and daily expenses, with no backup earner.
Most employer group policies offer basic PA cover with low sum insured, rarely enough to replace real income.
Factory workers, field engineers, sales staff, and frequent travelers carrying higher accident exposure day to day.
Term life covers death, but not disability — most people discover this gap only when it's too late to close it.
Coverage is structured around the type and severity of the disability, not the treatment cost.
Lump sum paid to nominees if death results directly from an accident, distinct from a term life payout.
Full sum insured paid if the accident results in total and permanent loss of ability to work, such as loss of both limbs or total blindness.
A defined percentage of the sum insured paid for specific permanent injuries, such as loss of a single limb, finger, or eye — as per a fixed benefit table.
A weekly or monthly income benefit paid while the policyholder is temporarily unable to work, subject to a maximum benefit period.
Optional add-on reimbursing accident-related hospitalisation costs on top of the disability benefit.
Optional rider providing an additional lump sum toward dependents' education if death or PTD occurs.
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