Personal accident policy is a health insurance policy issued to cover the risk of death, permanent disability, partial disability or temporary disability in case of accidents. The insured sum is reimbursed to the policyholder in case of disablement or the family members in case of death.
Key Features of Personal Accident Policy:
Benefits of Personal Accident Policy:
Besides above-mentioned features, there are several other benefits of availing personal accident policy.
Personal accident policy covers Death, Permanent Total Disability, Permanent Partial Disability & Temporary Total Disability. People below the age of 65 years can take benefit of the policy. The policy is issued for a period of 1 year and can be renewed or discontinued thereafter. The personal accident cover is restricted to citizens of particular countries; thus it is advisable to know the details of the policy before making the purchase. Nowadays many insurance companies also cover Death or disablement due to terrorist attacks.
Death or disablement due to suicide or attempt to suicide, during childbirth, wars and due to intoxication is not covered by personal accident insurance policy.
The Process of Claim:
Claims are processed within seven working days from the date of fulfilling all the requirements.
Read more about Personal Accident Insurance Policy here.
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