Accidental Insurance

Personal Accident Insurance against accidental injuries

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What is Accidental Insurance?

Everything in life is subjective and unfathomable. Before an accident or unremarkable incident occurs, accidents and incidents will not ring any warning bell. Unfortunately, an increased number of road incidents and accidents have occurred, and their victims and their families endure the repercussions. Terrifying data show that 1214 people die every year on Indian roads, most of whom are pedestrians; this should serve as a wake-up call for the danger an individual faces daily.

Accidents of any size might set you back temporarily, but large ones can end in permanent disability or even death. Insurance firms have designed specific life-saving policies to help relieve unnecessary hardships in the event of a catastrophe.

A Personal Accident Insurance policy benefits include:

Assess how your dependents would be affected if you were disabled as a result of an accident? You will have no recurring income, yet the bills will still climb.

Offering substantial coverage at modest costs.
While using public transport, the passenger is entitled to receive double indemnity for any disability-related mishaps.
Reduced the complexity of product claims.
There is a highly personalised plan available.
It's available around the globe.
This item can be purchased for individuals and families.
Schooling for children offers excellent benefits
You do not need to undergo any medical testing or present any medical paperwork.

What is the policy responsible for?

Unnatural death An accidental death policy pays the Policyholder if they die due to an accident due to bodily injury stemming from the accident. The nominee will get the total amount of the insurance company's secure payout.
Loss of all bodily or mental functions.
The maximum that can be paid out if the accident causes permanent or total disability is 100 percent of the money covered.
Self-inflicted dismemberment If a policyholder's body part has been dismembered or severed during an accident, the Policyholder is eligible to receive the total value of their insurance policy.
A secondary benefit Death by accident can be claimed on your taxes if the expenses of a funeral are paid out of pocket. Baggage and travel expenses related to transporting the Policyholder's deceased body from the accident scene to the Policyholder's domicile are covered.
Total annual expenses for daily hospitalisation A daily monetary allowance is provided to the patient when hospitalised.
In some cases, payment is required when an accident causes an individual to be hospitalised and treated for burn injuries.
Specific insurance policies may reward dependent children of policyholders.