The figures are estimates for planning purposes only.
Update year 2026
Accident Insurance Premiums Calculator
The Accident Insurance Premiums Calculator estimates a planning estimate for the health or protection scenario entered from the personal measurements, coverage assumptions, period and other non-identifying values requested by the calculator. Replace the example values with your own accident insurance premiums figures and recalculate after changing an assumption. Treat it as a planning estimate and independently verify the current rule or provider terms.
Estimate accident insurance premiums by coverage, occupational group, and medical costs.
Calculated (estimated)
Annual allowance.
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Monthly allowance.
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Total coverage
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Accident insurance premiums.
Group 1: 0.25% of the amount | Group 2: 0.40% | Group 3: 0.80% of the additional medical costs approximately 0.1-0.2%
Information for preliminary planning. Please check coverage, exemptions and actual premiums with your insurance company before making a decision.
Frequently asked questions
What does PA accident insurance cover?
Personal Accident Insurance (PA) covers death, permanent disability (all or part) from accidents, and some types also cover accident medical costs, making it a cost-effective policy for everyone.
How are the occupational groups in PA insurance divided?
Group 1: Office workers, accountants, students, teachers — low risk Group 2: Construction workers, salespeople, drivers — medium risk Group 3: Welders, miners, people working at height — high risk Some companies divide into 4-5 groups
How is PA different from health insurance?
PA insurance covers accidents only, while health insurance covers both illness and accidents, so PA is cheaper but less coverage. Both should be available for full coverage.
Use your assessment to look for accident insurance from Roojai.
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This is a partner link. We may earn a commission if you apply through it, while the calculation remains independent of the offer. ·Affiliate Policy
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Summary before deciding
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
Disclaimer: The calculations are estimates. The actual premiums are to be checked directly with the insurance company.
English calculator guide
How to use the Accident Insurance Premiums Calculator
Use this page to test a specific accident insurance premiums scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the accident insurance premiums estimate instead of relying on a generic example.
Build a baseline accident insurance premiums case with figures that match your situation.
Run a second accident insurance premiums case after changing the rate, period, quantity or other key assumption.
Record the difference between the two accident insurance premiums results and the input responsible for it.
Inputs for the accident insurance premiums estimate
For this accident insurance premiums calculation, check the personal measurements, coverage assumptions, period and other non-identifying values requested by the calculator. The result is designed to show a planning estimate for the health or protection scenario entered, not a guaranteed provider price or official decision.
How the accident insurance premiums result is calculated
The calculator applies the displayed inputs to the stated arithmetic relationship. Reusing the same accident insurance premiums inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a accident insurance premiums decision
Do not treat the result as a diagnosis, eligibility decision or binding insurance quote. For accident insurance premiums, Use the estimate to compare scenarios. Actual premiums, cover, exclusions, excesses and acceptance are set by the insurer and can differ from this planning result. Because this calculation can affect an important financial, legal or health decision, independently verify the inputs and current rules before relying on the result.
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Terminology, numeric values and calculator controls checked
Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
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