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India tops the number of road accidents and deaths due to these accidents worldwide. Hence, it is important to have a personal accident cover, as life is very uncertain and accident can happen anytime. An unexpected accident can be fatal or lead to disability which not only affects one physically but also financially. So it becomes very important to secure oneself against such unseen misfortunes.
Have you thought what will happen to your family if you become permanently disabled due to an accident. There would be no earnings but bank EMIs, medical costs and other expenses will keep rising. To deal with such situation, it is important to buy a personal accident insurance policy.
Irrespective of your age, occupation and health, it is imperative that you buy a personal accident cover. You should buy this cover as soon as you start earning. It is even more important for those who have taken personal loans, vehicle loans, home loan and mortgages because this would offer protection towards repayment of outstanding balance in case of any accident.
A personal accident policy covers the policyholders against death or disability due to an accident. It also covers minor accidents. Such policies cover different types of accidents such as road, rail accidents, accidents due to natural calamities and arising out of terrorism or terrorist acts.
A personal accident insurance policy gives policyholders lump sum amount in case of an accident which has led to partial/permanent disability or fatality of the insured. This lump sum amount can be used for the treatment of the injury, rehabilitation and supplementing insured’s earning capacity.
A personal accident insurance policy provides support to all outcomes of an accident including accidental death or disablement including permanent total disablement, permanent partial disablement and total temporary disablement. In the event of demise of the insured due to an accident or accidental death, the entire sum insured amount is paid to the insured’s nominee. The premium for personal accident policy depends on assessment of risk at the workplace and extent of coverage.
Types of personal accident cover
Individual accident policy
It covers an individual in the event of any accident. The incident may cost partial or total disability, whether temporary or permanent, or even accidental death.
Group accident policy
It is taken by employers for their employees. However, this is a very basic cover and might not offer benefits like that of individual plan. In such policies, major events such as partial or total disability, whether temporary or permanent, or even accidental death, are covered upto a specified limit for the overall group with specific sub-limits for an individual.
To initiate the claim process, you need to intimate to your insurer about the event within the time frame specified by the insurer. You might be provided with a claim reference number. Here are few information that you need to provide to your insurer at the time of intimating the claim:-
Your contact number
Policy number
Date and time of accident
Name and contact details of insured person who is injured
Location of loss
Brief description of the accident
Extent of loss
Documents required for filing a claim:-
Your contact number
Death certificate
Post mortem report
First Information Report (FIR)
Medical certificate
Medicine bills
You should make sure these details are kept for future reference of your family members so they don’t find it difficult to file a claim at the time of need. It is important to go through terms and conditions of a policy before zeroing-in.
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