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Personal Accident cover

 

Everything you need to know about two-wheeler personal accident cover

 

Road accidents account for a disproportionate number of deaths in India. Depending on how severe the injury is, a prolonged period of recovery may be required leading to loss of income and depletion of savings. Personal Accident Insurance covers accidental injury and also permanent total or partial disability among other benefits.

Common accidents included by Personal Accident Car Insurance

–         Any kind of road, aerial or rail accident

–         Any kind of injury due to cylinder burst

–         Injuries caused due to burning, drowning, poisoning etc.

–         Injuries caused due to collision or fall

 

Scope of Personal Accident cover

Accidents have the potential to cause any of the three consequences such as:

–         Temporary/Partial disability- In case of accidents causing temporary disabilities, a personal accident cover normally pays weekly compensation for the entire period of the disability. The maximum limit is 52 weeks.

–         Permanent disability- The policyholders are generally insured in the event of a permanent total disability. In cases of permanent partial disability, a certain sum is calculated based on certain parameters by the insurance company.

–         Accidental death- Some accidents, unfortunately, lead to death. In such tragic instances, the entire sum insured is paid to the legal nominees of the policyholder. However, this feature is available only if death occurs with 180 days of the accident.

The cover also offers a Children’s education benefit. In this cover, upto 2% of the payable amount is reserved for covering the education expenses of the insured’s children.

 

Advantages of having Personal Accident add-on covers

If you are the victim of a road accident, a Personal Accident cover gives you the following advantages:

–         Accidental Hospitalisation cover

–         Hospital Confinement cover

–         Medical expense reimbursement

–         Modification of residential accommodation and vehicle

Personal Accident Covers can help provide comprehensive relief from the financial impact of a road accident throughout the recovery and rehabilitation phase.

Click here for more details on Car Insurance Plans

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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