There are two way the PA policies risk is covered -
1. Occupational Classification
There are three types of risk classification of the insured person under personal accident insurance i.e normal risk, medium risk, and heavy risk persons. Higher premium is charged for higher risk category insured.
2. Income Criteria

The income of the insured person is a major factor in determining the maximum sum assured under the policy. Generally Sum assured is taken as 60- 100 times the monthly income.