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Accidents can occur without any prior intimation. What if you fall prey to such unforeseen events? You may get bed-ridden for a while, which may put a stop to all your activities. To make things worse, your company may not pay for your absence. In such a situation, 'Disability Insurance' will help you in your financial troubles when the other means have failed you.
Life insurance takes care of the family expenses after the death of the breadwinner. But what if you are alive and are not in a position to support your family anymore. A life insurance cover topped with accident cover will take care of this not-thought-about-situation. You can either take the accident cover attached to your base life insurance policy or else you can buy disability cover from any general insurer.
To describe in simple words, Personal Accident is an insurance cover that provides protection against bodily injuries caused by external, violent and visible means, resulting into death or disablement, which could be partial or total. The policy covers accident arising from
Rail/road/air accident
Injury due to any collision/fall.
Injury due to bursting of gas cylinder.
Snake-bite, frost bite/dog bite.
Burn injuries, drowning, poisoning etc.
The personal accident policy covers death, permanent total, partial disablement and temporary total disablement as selected by the client. The policy also offers cover in case of accidental death - the reimbursement of funeral expenses. It can also be extended to cover medical expenses arising out of accident up to 20 percent of the claim amount subject to maximum of 10 percent of the amount of insurance.
An accident insurance also known as disability insurance, gives you complete coverage that a mediclaim policy may not provide. The personal accident cover offered by New India Assurance, offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means. The policy operates worldwide and is a 24 hours cover.
Family Package cover is also available to Individuals under Personal Accident Policy whereby the proposer, spouse and dependent children can be covered under a single policy with a 10% discount in premium. Group personal accident policies are also available for specified groups with a discount in premium depending upon the size of the group.
Clearly, you cannot have control over you're the mishaps and the tragedies, that's why we have insurance- the only man made tool to protect us against such misfortunes. With disability insurance, you opt to be under the safety of an umbrella. Since you never know when a mishap will strike you.