Personal accident cover is a type of insurance that provides financial compensation in case of accidental injury or death. It typically covers medical expenses, hospitalization costs, and a lump sum payment in case of permanent disability or death caused by an accident.

The policy usually covers accidents that occur both at home and outside, including those that happen during travel, sports activities, or other leisure pursuits. Some policies may also cover loss of income due to temporary or permanent disability.

Personal accident cover is focused solely on accidental injury or death.