Debit card may have covered you with Personal Accidental Insurance
Almost all banks – whether private or public – provide accidental hospitalisation cover or accidental death cover to their customers having an operation bank account. The range of insurance provided under the criteria starts from Rs 50000 to Rs 10 lakh, depending upon the customer to customer bank dealings. People are reluctant to know about the cover provided by the banks and neither banks provide any information to their customers. However, most of the banks are offering cover on credit cards also. If the bank account is inoperative, then your cover may get withdrawn by the bank.
Source- https://www.financialexpress.com/money/your-atm...
You can refer to your Debit card welcome letter or to your bank website.
I have provided some links of popular banks for reference purpose.
SBI- https://www.sbi.co.in/portal/web/personal-banki...
BOB- https://www.bankofbaroda.in/debit-car...tm
HDFC- https://www.hdfcbank.com/personal/pay/cards/deb...
ICICI- https://www.icicibank.com/Personal-Banking/card...
PNB- https://www.pnbindia.in/ATM-Debit-Car...ml
Note- You can also refer to the points mentioned below by @rogerthat
Credits- Me 
and @rogerthat
Thanks to him for helping me to get my post updated.
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I request you to list more points if possible regarding this topic. As it would help others to get financial support in case of accident. Thank you in advance.
Primary sufficient condition : card must have been used for financial transaction in last 3 months. or 6 months . 1 month. varies from institution to institution. some banks also have minimum transaction amount such as 500rs.
https://www.zeebiz.com/personal-finance/news-de...
RUPAY MASTER LINK
https://www.rupay.co.in/sites/all/themes/rupay/...
MASTER CARD – benefits vary bank to bank and card to card
Zero Liability Protection
Pay only for purchases which you have authorized on your Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.
Baggage delay insurance
Reimburses you with the essential personal or business items in your baggage, if the baggage you have checked on a common carrier is delayed in transit and your tickets were purchased using an eligible Mastercard card.
Car rental collision damage waiver insurance
Covers all damages (physical damage and theft) to a vehicle that has been rented and paid for using an eligible Mastercard card.
Lost or damaged luggage insurance
Reimburses you the actual cost of repairing or replacing your checked-in or carry-on luggage if it is lost or damaged on a common carrier, provided your tickets are paid for with your eligible Mastercard card.
Travel accident insurance
Covers you and your family in the event of accidental death or accident, provided your common carrier travel tickets are paid for with your eligible Mastercard card.
Trip cancellation insurance
Reimburses you and your family for any nonrefundable cancellation or change fee if your trip is interrupted or canceled and you have purchased your common carrier tickets with your eligible Mastercard card.
*Selection of benefits on your card varies by card type and by card issuer. Please refer to your issuing financial institution for complete coverage terms and conditions.VISA – to be updated