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Can You bear the hospital charges arising due to an accident?
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Have you thought about your family if something gets uncontrolled with you due to a mishap?
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What if your income halts for a while after your accident?
Do You Know
According to National Crime Records (NCRB) people died of Unfortunate Deaths in 2018, a rise in comparison with previous year.
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Personal Accident Insurance
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Some policies may cover boarding expenses apart from surgeon, anesthetist and consultant fees; charges for anesthesia, oxygen and diagnostic materials in addition to X-rays and dialysis costs among others.
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Offer cashless facility and direct settlement of bills with the hospital.
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Offer to cover pre and post-hospitalization charges for a specific period.
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Some policies may offer maternity benefits.
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Less than 24 hours hospitalization for certain procedures such as chemotherapy, eye surgery and tonsillectomy among others.
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Extended cover for certain critical ailments above hospitalization benefits.
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Some policies may provide cover for pre-existing diseases after payment of extra premium.
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Some policies may cover domiciliary expenses.
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Some of the optional benefits include waiver of waiting period, first year exclusions besides reimbursement of ambulance charges among others.