Is there a waiting period on the Bharat Suraksha accident cover policy?

No. There is no waiting period. Protection benefits begin from Day 1 of membership activation.

Does the accident cover policy work outside India?

Yes. Cover is active 24/7 and worldwide for accidental death and disability, under the plan terms.

Bharat Suraksha Membership | Accident Cover Policy India

Accident Cover Policy from ₹299/Year – Protection From Day 1

Q: What is an accident cover policy?

An accident cover policy pays a fixed benefit to you or your nominee if an accident causes death or permanent disability. Bharat Suraksha Accident offers accidental death, permanent total disability and permanent partial disability benefits up to ₹15 Lakh, starting from ₹299 per year.

Bharat Suraksha Accident is an affordable accident cover policy that pays accidental death and disability benefits up to ₹15 Lakh, with no waiting period, 24/7 cover and unlimited teleconsultations. Built for working families in Hyderabad, Telangana, Andhra Pradesh and across India.

Get My Accident Cover Policy Talk to an Advisor on WhatsApp

✓ Ages 18–65
✓ 12-month membership
✓ No waiting period
✓ No medical exam up to ₹15 Lakh

STARTS FROM

₹299/year

Bharat Suraksha Membership

Protection BenefitsPERSONAL_ACCIDENT

Protection Against Life's Unexpected Moments

What Is an Accident Cover Policy?

An accident cover policy is a protection plan that pays a pre-agreed benefit to you or your nominee if a sudden, unexpected, external accident causes death or permanent disability. Unlike health insurance, it pays a fixed benefit and does not depend on hospital bills. The Bharat Suraksha Accident cover policy starts from ₹299 per year, offers benefit tiers of ₹1 Lakh, ₹5 Lakh, ₹10 Lakh and ₹15 Lakh, and begins from Day 1.

What Your Accident Cover Policy Includes

Accidental Death (AD)

The full benefit value is paid to your nominee if death is caused directly by an accident.

Permanent Total Disability (PTD)

100% of the benefit value is paid for loss of both limbs, both eyes, or one limb and one eye due to an accident.

Permanent Partial Disability (PPD)

A proportionate benefit is paid as per the Schedule of Benefits, for loss of specific limbs or sensory organs.

24/7 Worldwide Cover

Active round the clock: at work, at home, on the road or travelling anywhere in the world.

No waiting period applies. No pre-medical examination is required for benefit value up to ₹15 Lakh.

Free Wellness Benefits With Every Accident Cover Policy

Unlimited Teleconsultations

Unlimited teleconsultations with GPs and specialists.

Up to 80% off Diagnostics

Up to 80% off diagnostics (blood tests, HbA1c, lipid profile and more).

Up to 30% off Radiology

Up to 30% off radiology (X-ray, MRI, CT, ultrasound).

Up to 30% off Specialist Visits

Up to 30% off in-person specialist visits at partner centres.

Wellness benefits are provided by our partner network and are separate from the protection benefit shown on your membership confirmation.

Accident Cover Policy Benefit Tiers at a Glance

Benefit Tier	Accidental Death	Disability (PTD / PPD)	Waiting Period	Membership Fee	Best For
₹1 Lakh	Up to ₹1 Lakh	As per schedule	None	₹299 / yr	Entry-level protection, daily-wage and gig workers
₹5 Lakh	Up to ₹5 Lakh	As per schedule	None	₹499 / yr	Salaried individuals, small business owners
₹10 Lakh	Up to ₹10 Lakh	As per schedule	None	₹999 / yr	Primary earners with dependants
₹15 Lakh	Up to ₹15 Lakh	As per schedule	None	₹1,499 / yr	Higher-income earners, frequent commuters

Membership fee starts from ₹299/year. Final fee depends on the selected benefit tier and occupation class.

Accident Cover Policy for Hyderabad, Telangana, Andhra Pradesh & All India

Road accidents, workplace injuries and everyday falls can happen anywhere. Bharat Suraksha Accident can be bought online in minutes, and the policy stays active wherever you travel.

Telangana

Hyderabad, Secunderabad, Warangal, Karimnagar, Nizamabad, Khammam: Accident cover for IT professionals, daily commuters, delivery partners, shopkeepers and field staff, with teleconsultations available from home.

Andhra Pradesh

Visakhapatnam, Vijayawada, Guntur, Tirupati, Nellore, Rajahmundry: Affordable accident protection for families, farmers' households and working professionals, with advisor support in your language.

Rest of India

Bengaluru, Chennai, Mumbai, Pune, Delhi NCR, Kolkata and more: One digital membership, honoured nationwide and worldwide under plan terms.

Not sure which tier suits your job or commute in your city? Message our advisors on WhatsApp for a quick recommendation.

Who Should Buy an Accident Cover Policy?

Two-wheeler and four-wheeler commuters

Delivery partners, drivers and gig workers

Salaried professionals and the self-employed

Parents and senior family members (aged 18–65)

Employers who want group accident protection for staff (see business plans).

What Is Not Covered

Please read the exclusions before you buy.

Illness or Disease

Death or disability caused by sickness, medical conditions, or natural diseases is not covered - only accidents qualify.

Alcohol or Drug Influence

Benefit assistance requests arising when the member was under the influence of alcohol, narcotics, or any intoxicating substance at the time of accident.

Self-Inflicted Injury

Intentional self-harm, attempted suicide, or any deliberate bodily injury - irrespective of mental state at the time.

Criminal or Illegal Activity

Accidents occurring while the member is engaged in any criminal or unlawful act, including participation in riots.

Aviation (Non-Commercial)

Injuries during private flying, skydiving, paragliding or air sports are excluded. Scheduled commercial passenger flights are covered.

Hazardous Activities

Motor racing, mountaineering above 6,000 ft, bungee jumping, and professional extreme sports are excluded from cover.

War & Terrorism

Any loss arising from war (declared or undeclared), invasion, revolution, nuclear, biological, or chemical events.

Pre-existing Disability

Any disability or condition that existed before the membership activation date is not eligible for benefit assistance.

Why Choose Bharat Suraksha as Your Accident Cover Policy?

Starts from ₹299 per year

Benefit tiers up to ₹15 Lakh

No waiting period: cover from Day 1

Flat pricing: no age loading between 18 and 65

Digital membership delivered by email or WhatsApp within minutes

Wellness benefits bundled in at no extra cost

How to Buy Your Accident Cover Policy in 3 Steps

Choose your benefit tier: ₹1L, ₹5L, ₹10L or ₹15L.
Share your details: ID proof, address proof, photograph and bank details for payment.
Get confirmed: Receive your digital membership on email or WhatsApp and stay protected from Day 1.

How to Request Benefit Assistance After an Accident

Inform BharatCover within 7 days of the accident (helpline or WhatsApp).
Submit the form with FIR (if applicable), medical reports, discharge summary and ID proof. For death benefit, add the death certificate and post-mortem report.
Assistance is typically provided within 15–30 working days of receiving complete documents.

Accident Cover Policy FAQs

It pays a fixed benefit to you or your nominee if an accident causes death or permanent disability. Bharat Suraksha Accident offers up to ₹15 Lakh, from ₹299 per year.

No. Coverage begins from Day 1 of your membership activation date.

Bharat Suraksha Accident starts from ₹299 per year. The fee depends on the benefit tier you choose and your occupation class.

Yes. Bharat Suraksha Accident is available to residents aged 18 to 65 across India, including Hyderabad, Visakhapatnam, Vijayawada and other cities in Telangana and Andhra Pradesh. Enrolment is digital and membership confirmation is sent by email or WhatsApp.

A sudden, unexpected, external and involuntary event such as a road accident, fall, burn or drowning. Illness and self-inflicted injury are not accidents under the plan.

PTD (Permanent Total Disability) pays 100% of the benefit value for total loss, such as both limbs or both eyes. PPD (Permanent Partial Disability) pays a proportion as per the Schedule of Benefits depending on the body part affected.

Yes, for family members aged 18 and above, each with their own benefit value. Minors below 18 are not eligible. Group options are available with discounted fees.

Yes. Accidental death and disability cover is worldwide under the plan terms. Keep all original foreign medical documents, translated to English if required.

Yes. Occupations are grouped into risk classes. Office and sedentary work pays the standard fee, while higher-risk work may carry a loading or need approval.

Yes, within the 15-day free-look period for a refund minus stamp duty and proportionate risk fee. After that, pro-rata short-period terms apply. No refund is payable if benefit assistance has already been requested.

Protection components are facilitated through Svojas Insurance Broking and Risk Management Services Pvt. Ltd. (IRDAI Direct Broker License No. 627) with licensed insurers. Wellness services are provided through Holistic Health Tech Pvt. Ltd.

Protect Your Family From Day 1

Accident cover policy from ₹299/year. No waiting period. Support across Telangana, Andhra Pradesh and India.

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