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What is Reliance Personal Accident 360 Shield?
Reliance Personal Accident 360Shield is a comprehensive accidental insurance plan that provides financial protection in the event of bodily injury, disability, or even death due to incidents like road accidents, burns, or adventure sports mishaps. This plan is designed to offer peace of mind by ensuring that you or your family are financially secure in the face of unexpected and traumatic events.
The policy covers a wide range of accidental scenarios—from minor injuries requiring hospitalization to major incidents resulting in permanent total disability or accidental death. It includes benefits such as ambulance charges, daily hospital cash allowance, and even compensation for temporary total disablement, depending on the chosen coverage options.
One of the standout features of Reliance Personal Accident 360Shield is its customizable structure. Policyholders can select from multiple coverage levels and add optional riders like child education benefit, repatriation of mortal remains, and coverage for burns or fractures. This flexibility makes it suitable for individuals, professionals with high mobility, and families alike.

Moreover, purchasing this insurance plan online is simple and hassle-free. The process involves just a few steps: entering your details, selecting your coverage, and making a payment. There’s no need for medical tests in most cases, and you get instant policy issuance with digital documentation.
In today’s fast-paced world where accidents can occur without warning, having a robust personal accident policy like 360Shield ensures that your loved ones are financially protected and supported during times of crisis. It’s not just about compensation—it’s about safeguarding your lifestyle and future security.
Why Choose Reliance Personal Accident 360Shield?
What truly sets the Reliance Personal Accident 360Shield policy apart is its all-encompassing, 360-degree coverage—extending protection not only across India but also worldwide. While it includes essential safeguards like Accidental Death, Permanent Total Disablement, and Permanent Partial Disablement, the policy goes far beyond the basics. It also provides coverage for Accidental Hospitalisation, burns, coma, trauma counselling, and even incidents that may occur during overseas travel. In the event of major accidents, the policy offers additional support, ensuring that you’re covered from every angle. More than just financial protection, this plan delivers global peace of mind.
Reliance Personal Accident 360Shield is also designed with flexibility in mind. You can choose from a range of plans that combine robust base coverage with customizable add-ons to suit your unique lifestyle and needs. Whether you’re seeking essential protection or comprehensive global coverage, there’s a plan built to fit you perfectly.
Key Features of Reliance Personal Accident 360 Shield
Reliance Personal Accident 360Shield offers four plan options: ShieldPro, ShieldPlus, ShieldMax, and ShieldPrime. These plans come with sum insured amounts starting from ₹5 Lakhs and going up to ₹25 Crores, giving you flexible coverage based on your needs.
The Reliance Personal Accident 360Shield plan offers both customizable and comprehensive coverage tailored to meet diverse protection needs. Alongside the robust base coverage, policyholders have the flexibility to enhance their plan with a range of optional add-ons. These include benefits such as Accidental Hospitalisation Cover, Accidental OPD Cover, Compensation for Coma, Miscarriage Cover, and several other specialized protections. This allows individuals to tailor their policy to align with their lifestyle and risk exposure.
At its core, the plan includes a set of essential base covers provided with every policy. These fundamental protections include compensation for Accidental Death, Permanent Total Disablement, and Permanent Partial Disablement—ensuring financial stability in the most severe scenarios. Additionally, the policy includes coverage for the Repatriation of Mortal Remains and Funeral Expenses, easing the burden on families during emotionally and financially difficult times. With its combination of foundational security and optional enhancements, Reliance Personal Accident 360Shield stands out as a truly holistic protection solution.
Benefits of Buying Personal Accident Insurance from Reliance
Personal accident insurance is a crucial safety net during unexpected events like accidents or injuries. With Reliance Personal Accident 360Shield, you get a host of benefits to protect yourself and your loved ones:
Financial Protection
In case of accidental death or permanent/partial disability, the policy pays a lump sum to you or your legal heir. This helps secure your family financially—especially if the sole earning member is affected. Coverage extends to dependent parents too.
Income Replacement
Accidents can lead to income loss if the family’s breadwinner is disabled or passes away. This cover helps manage daily expenses and repay loans (home, vehicle, education, etc.) even in such difficult times.
International Coverage
Whether on a vacation or a work trip abroad, you’re protected globally. Even in cases of severe injuries like loss of hands or eyesight, Reliance 360Shield offers worldwide financial support. Optional travel covers are available for extra protection.
Complementary Coverage
This plan works alongside your existing health insurance, providing added protection. From accidental death to medical emergencies, it ensures you’re comprehensively covered with one of the broadest benefit structures in the market.