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Accident Insurance Plans

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Best Accident Insurance Plans to secure yourself

ACCIDENT INSURANCE POLICY

What is Accident Insurance?

Accident Insurance entitles the policyholder to a fixed payout in case of injury or death due to an accident. Accident Insurance policies provide cover against accidental death, permanent total disablement, permanent partial disablement and temporary total disablement. It also provides educational grant, ambulance charges and other benefits. Accidents are unpredictable and may lead to financial stress besides other worries. At such times, Accident Insurance proves to be a financial tool to be prepared for uncertainties.

An accident Insurance policy is essential as it secures oneself and their family against unfortunate death or injury due to an accident.

IMPORTANCE OF ACCIDENT INSURANCE

Why Do I Need Accident Insurance?

Accidents are uncertain events. Such situations may drain people physically and emotionally. The recovery cost of medical expenses might bring forth financial stress and leads to medical debt. Hence, to secure yourself and your family accident Insurance Policy becomes necessary.

Hospitalisation Expenses

Some Accident Insurance policies will cover the in-patient hospitalisation and out-patient expenses incurred due to the accident. Such expenses are indemnified as per the term and conditions of the policy document.

Hospital Cash

The hospital cash benefit provides a cash allowance for each completed day in the hospital up to 15 days per occurrence for a maximum of up to 60 days in a policy year period.

Ambulance Cost

Most Accident Insurance policies cover the ambulance expenses incurred for transporting the insured to the hospital due to accidents. Some policies also cover the charges incurred for transporting the mortal remains of the insured to their residence.

No Medical Screening

The significant benefit of an Accident Insurance is that it does not require any medical screening to avail the policy.

Accidental Death

In case of the unfortunate death of the insured person due to accidents, the accident insurance policy is entitled to provide compensation as a lump sum as per the terms and conditions.

Permanent Total Disability

Permanent total disability is a condition where the person is completely disabled as a result of an accident due to which the person is no longer able to work. An accident Insurance policy will cover such instances by providing a payout.

Permanent Partial Disability

Accidents might result in permanent partial disability such as loss of toes all, loss of fingers, etc. An accident Insurance policy will provide cover for such instances as well. For such unfortunate situations, the company will give a (lumpsum) percentage of the benefit.

Temporary Total Disability

A temporary total disability is a state in which the individual is disabled for a temporary period. A comprehensive Accident Insurance policy will extend and cover the insured’s temporary total disability that arises due to accidents.

Educational Grant

A comprehensive Accident Insurance policy will cover the children's education of the insured. Education grant is provided for a maximum of up to two dependent children in case of death or total permanent disablement of the insured due to an accident.

Hospitalisation Expenses

Hospital Cash

The hospital cash benefit provides a cash allowance for each completed day in the hospital up to 15 days per occurrence for a maximum of up to 60 days in a policy year period.

Ambulance Cost

No Medical Screening

The significant benefit of an Accident Insurance is that it does not require any medical screening to avail the policy.

Accidental Death

In case of the unfortunate death of the insured person due to accidents, the accident insurance policy is entitled to provide compensation as a lump sum as per the terms and conditions.

Permanent Total Disability

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FAQ

What is Personal Accident Insurance?

Personal Accident Insurance provides compensation or payout in the event of unfortunate death or disablement of the insured person incurred due to accidents. A comprehensive policy will provide other coverage such as an educational grant, hospitalisation expenses, ambulance charges, hospital cash and other benefits as well.