A personal accident insurance policy offers many important benefits that can help you and your family stay strong during difficult times. Let’s understand them one by one.
Covers Medical Bills:
This policy helps you pay for hospital stays, doctor visits, surgeries, medicines, and even ambulance rides after an accident. You do not have to worry about large medical bills when you are already dealing with injuries.
Provides Income Support:
If you are unable to work after an accident, personal accident insurance can give you a regular amount of money. This income support can help you take care of your household expenses until you recover.
Protects Family’s Future:
If the worst happens and the insured person passes away in an accident, the family receives a lump sum payment. This money helps them manage daily expenses, education, and other needs.
Covers Disabilities:
The policy provides financial help if you suffer from a temporary or permanent disability. Whether it’s a broken bone or a major injury, the insurance offers important support.
Children’s Education Support:
Some personal accident plans help pay for your children's education if you face a major accident. This ensures that their studies do not get interrupted.
Daily Cash Benefit:
Many plans offer daily cash for small costs during hospital stays, such as food or travel expenses.
Quick Claim Settlement:
If you provide all the needed documents on time, the claim process is usually very fast.
Home Modification Allowance:
If a disability requires changes at home, like adding ramps or support bars, the policy helps cover those costs.
Loan Protection:
If you have ongoing loans, the policy can help in paying EMIs if an accident affects your ability to work.
Burn and Broken Bone Coverage:
Extra compensation is provided if you suffer burns or broken bones in an accident.
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