Disability Insurance Estimator
What happens if an accident leaves you unable to work? Accidental Disability insurance (PA Cover) replaces your future income. Find out how much sum assured you truly need.
How much of your current income do you need to maintain your lifestyle?
If you have a rider attached to your term plan.
Required Disability Cover
₹2,70,00,000
Provides a lump sum corpus. If invested in a fixed instrument (like FD or Bonds) at 6-7% post-tax, it yields your required monthly income while combating basic inflation.
Monthly Loss Replaced
₹75,000
Years to Replace
30 Years
What is Accidental Disability Insurance?
Unlike a Term Plan that pays out on death, or Health Insurance that pays hospital bills, a Personal Accident (PA) Cover with Permanent Total Disability (PTD) pays you a massive lump sum if an accident renders you unable to work (e.g., loss of limbs, eyesight).
Good News: PA covers are incredibly cheap. A ₹1 Crore PA cover usually costs only ₹1,500 to ₹2,500 per year.