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Personal Accident Insurance is the shield that keeps you financially protected during times of adversities, i.e., whenever you met with an accident this insurance policy will take care of all the medical expenses needed. The personal accident insurance provides coverage against physical injuries, death, permanent or temporary disability, hospitalization that caused due to accidents.
To help you understand the features of Personal Accident Policy better we have divided them into two sub-heads:
The policy document sets that amount of money to be paid to a person or his/her dependent that passes away in an accident or sustains serious wounds. Upon producing the necessary documents, one can claim the amount as per the company process.
The payment, in the case of bodily injuries because of an unfortunate event that results in partial impairment of the policyholder, the compensation is paid as a percentage of the total benefit amount. This percentage may be up to 100% of the benefit amount.
In case a policyholder, due to an accident, sustains some bodily wounds or temporary impairments, a certain fixed amount is paid as compensation. This can be fixed on a daily or weekly basis and is subject to the maximum limit as per the policy terms.
Personal Accident Policy is premeditated to offer compensation to an individual or group as per the terms and widely cover accidental demise or impairment (permanent or temporary) the results because of any of these four events.
In case a person sustains life-long total disablement due to an unfortunate event the advantages/ compensation as per the policy plan is paid to the policyholder.
The absence of timely help can prove fatal. Our policy pays transportation expenses to help reach the nearest hospital if the insured encounters life-threatening injuries.
Let's picture a situation where even after being physically disabled you are effectively looking after your family, fulfilling their needs and leading a satisfying life. Yes, it is possible but only if you have a personal accident policy in hand. Here are some much-appreciated benefits that you would enjoy with the policy:
Hospital Cash Benefit
In the case of hospitalization as a result of an accident, the injured person is offered a fixed amount of medication. The number of days for such payments are however mentioned in the policy plan.
Repatriation of the Mortal remains
In case a person passes away in an unfortunate accident, the cost of transportation of his mortal remains from the demise site to the hospital or cremation ground or home is covered under a Personal Accident Policy.
Education Advantage
In the case of the demise of the policyholder in an accident, the education expenses of the dependent child are covered under the policy up to a certain limit.
Ambulance Expenses
The charges paid to an ambulance to ferry the injured person to the nearest hospital are waived off under the policy.
Broken Bones
There is a provision of a fixed amount paid for broken bones resulted because of an accidental mishap.
Burns
If the policyholder sustains burns because of a mishap, the policy offers a percentage of benefits as entitled under the plan.
It is highly recommended that you understand the terms and conditions of personal accident insurance before you go for it. These are the most critical and intimidating features associated with a plan. To understand them better, here we offer you a quick list of major inclusions and exclusions:
| Inclusions | Exclusions |
| Accidental death | Natural death |
| Permanent total and/or partial disability | Pre-existing disability and/or injury |
| Accidental dismemberment | Pregnancy or/and childbirth |
| Hospitalization charges/ Misc. medical expenses | Self-injuries or/and suicide |
| Child education coverage | Non-Allopathic treatments |
| Life support benefit | Influence of drugs & intoxicants |
| Ambulance charges, Burns & broken bones | Mental disorders, committing a criminal act, involvement in war activities and more |
| Daily allowance in case of income loss | Participation in adventurous activities like sports, naval, air or military forces, etc. |
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