The personal Accident insurance plan provides complete financial protection to the protected members against uncertainties such as accidental death, accidental physical damages and unfair total disabilities, permanent and temporary disabilities emerging from an accident. In the case of the unexpected death of the policyholder, the nominee gets 100% commission from the insurer. Various other compensations are offered for accidental disability, such as loss of eyes, limbs, and communication.
Accident Insurance does not appear knocking at the gate. It can happen anytime, anywhere and may result in minor to severe injuries. You can secure against accidental death and disability with personal accident insurance. I am purchasing the best plan and medical expenses. Let’s have a look.
- One can analyse accidental insurance plans from the best insurers
- Get Lowest Premium on Private Accident Cover
- Get Prepared Personal Accident Cover Online
General Insurance | Aviation Insurance | Individual Health Insurance
Types of Personal Accident Insurance
Below have mentioned accidental insurance policies and be further divided into two sub-heads. Here’s a quick rundown of the two variants:
- Individual Accident insurance
- Group Accident Insurance
Accidental Insurance Inclusion & Exclusions
|
Inclusion |
Exclusions |
|
In the case Accidental Death |
Natural death |
|
Permanent total |
Pre-existing damage or injury |
|
Incidental dismemberment |
Childbirth or Pregnancy |
|
Medical expenses/Hospitalization charge |
Suicide or self-injuries |
|
Child education support |
Non-allopathic treatments |
|
Life help benefits |
Influence of intoxicants |
|
Burns, broken osseins and ambulance |
Committing a criminal act of being involved in the war activities, suffering from a mental disorder |
|
Daily allowance |
We are participating in the naval, military, air force, adventurous or sports activity etc. |
|
Accidental Dismemberment |
Childbirth or pregnancy |
Accidental Insurance Coverage
Here you can avail of the following coverage benefits with a personal accident insurance policy-
- Accidental Death Cover
- Permanent/ Total Disability Cover
- Permanent Partial Disability Cover
- Temporary Total Disability
Advantages of Accident Insurance Policy
Here’s a quick rundown of some of the significant advantage of buying a personal accident insurance policy:
- Family Protection
- No provision of medical test and document
- Valuable coverage at a lower dividend
- Worldwide coverage
- Both somebody and family plans are available
- Some easy and guaranteed claim process
- 24*7 supports service
- Legal and interment expenses are covered
- Child education advantage
- Twice indemnity for the demise
- Availability of customizable policy
iffcotokio.co.in | tataaig | starhealth.in
How to claim Accidental Insurance?
Below have mentioned the accidental insurance claim process you need to inform the insurance provider within the specified time structure.
- Your Contact numbers
- Policy number
- Date and time of the accident
- Name and contact information of the protected person who is injured
- Location of the incident
- A brief description of how the accident/ loss took place with its location details
- The extent of the loss
Accidental death/impairment claim documents required
- Death certificate
- Post-mortem report
- FIR report
- Medical certificate
- medicine bills