Personal Accident Insurance
What exactly is personal accident insurance and why do I need it?
Think of it as your financial first-aid kit! Personal accident insurance pays you money if you get hurt, disabled, or worse in an accident. Whether you’re driving, traveling, or just living life, accidents don’t send a warning text. This insurance makes sure your family won’t struggle financially if something unexpected happens to you.
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Does personal accident insurance only cover vehicle accidents?
Nope, it’s way more than just road mishaps! Personal accident insurance covers all kinds of accidents, not just vehicle crashes. Here’s what’s usually included:
- Slips and falls at home or work
- Injuries from fire, burns, or electric shocks
- Accidents while traveling (car, bike, train, flight, etc.)
- Mishaps during adventure sports (if covered in the policy)
- Workplace accidents (especially for field jobs or factories)
- Natural disasters like floods or earthquakes (if accidental injury results)
If it’s sudden, external, and unexpected—it likely counts as an accident.
Just make sure to check the policy exclusions to know what’s not covered (like self-harm or being under the influence).
What does my basic plan accident insurance actually cover?
Your policy typically covers the big four:
Accidental death
Lump sum for your family
Permanent total disability
When you can’t work again
Permanent partial disability
Lost a finger or eye? You’re covered
Temporary disability
Can’t work for a few months? We’ve got you
How is this different from my health or life insurance?
Here’s the simple breakdown:
Health insurance
Covers illness and injury treatment
Life insurance
Pays when you die (any reason)
Accident insurance
Only covers accidents BUT also pays for disability (which the others might not)
How do I choose the best accident insurance policy?
How do I choose the best accident insurance policy?
- Sum insured that matches your income (at least 100-150 times your annual salary)
- Both permanent and partial disability coverage
- Weekly income replacement
- Quick claim settlement reputation
- Fewer exclusions
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