The insurance covers the hospital expenses of a policy holder after an accident. The payments are cleared with a lump sum amount. Note that this benefit only applies to those who have purchased this fixed benefit plan or their existing policy purchase had a personal accident protection clause.Example scenario: Raj makes Rs. 12,500 per month as salary. One day, Raj injures his back while fixing a drainage pipe. He is unable to walk or stand and cant work for the next 10 months. Raj used his CignaTTk policy to claim his personal accident insurance and received Rs. 1 lakh (nearly 80% of his regular income) during his recovery to take care of his expenses.