What is covered by the personal accident insurance policy?

What is covered by the personal accident insurance policy?In recent years, the number of vehicles has increased in India. This is especially evident in urban regions. Expansion of cities, coupled with growing populations also means the number of vehicles have also increased. This leads to constant traffic, congested roads, and heavy pollution. In a fast-paced world where people are always in a hurry to reach their destination, one mistake can have a lot of consequences.

Injuries due to accidents are always of serious nature. Your medical insurance policy may provide you the help it is supposed to; however, you should also have the personal accident insurance policy. But what is this policy? And, how does it benefit you? All the information about this medical insurance policy is given below:

What is a Personal Accident Insurance Policy?

Personal accident insurance policy is a type of medical insurance policy that helps in covering the expenses of injuries caused to the policyholder during an accident. These injuries could be of any kind, from loss of limbs to disability. This policy will help in covering the costs of these exact injuries.

1. What is covered by the personal accident cover?

This medical insurance policy covers a whole array of injuries and disabilities that are related to on-road accidents that can take place suddenly. The following things are covered by this insurance policy:

● Accidental deaths:

If you are the main policyholder and if you were to die in a road accident, then with the help of the personal accident cover, your family can claim the sum insured under the cover as compensation.

● Partial disability:

If you get involved in a road accident, and the injury causes permanent partial disability, for example, of your left leg or your right hand, then your family can file a claim for compensation for that disability.

● Total disability:

If the injuries that you suffer in an accident lead to complete paralysis, then the insurer will pay your family a certain claim amount that then can be used for treatment and hospital expenses.

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