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border line Get peace of mind this World Peace Day with Personal Accident Insurance border line

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The United Nations has earmarked September 21 as world peace day or international day of peace in order to remember and strengthen the ideals of peace both within ourselves and amongst nations. Inner peace is something we all strive for in our daily lives. One of the components of inner peace is feeling safe and secure.

However, there is no denying that we are living in an increasingly dangerous world. Accidents, terrorist attacks, and assaults are unfortunately becoming common.

So this world peace day, educate yourself about personal accident insurance – A way you can protect you and your family and get some peace.

What is Personal Accident Insurance?
personal accident insurance protects the financial security of you and your family in the unlikely event that an accident causes you serious permanent or temporary disability or death. This is an especially helpful type of plan to buy if you work in a risky environment where accidents can happen or perform some amount of manual labor.

The different types of disabilities covered in this policy are:

  • Temporary total disablement
  • Permanent total disablement
  • Permanent partial disablement
  • Accidental death

How is it different from a family health insurance plan?
Family health insurance only covers your expenses arising from sickness, hospitalization, and treatment. While most policies do cover medical costs for emergency trips to medical facilities, it does not compensate you and your family for your loss of income. Your disability and accidental death will hamper your ability to earn and provide for your family.

A personal accident cover will not only shoulder the burden of medical cost but it will also provide compensation for loss of earnings during your recovery period. Any permanent disability that affects your earning potential will also be compensated by a comprehensive coverage plan.

What else can a personal accident policy cover?
A personal accident policy can also cover child education support, life support benefits, air ambulance cover, compensation for injuries during adventure sports, payment of a chauffeur-driven car, transport expenses of the family if the insured person is getting treated a certain distance outside his or her residence, etc.
However, bear in mind that this is a general list of add-ons. Add-ons are complements to the existing policy that are added to your plan at an additional cost. Check your insurance provider for a specific and more comprehensive list of add-ons.

What’s not covered?
Most insurance companies do not cover expenses if you are disabled before buying the policy, attempted suicide or suicide costs, injuries that occurred while serving in the military and health problems occurring due to the intake of drugs, alcohol and other hallucinogenic substances.

Where can I buy it?
You can easily buy personal insurance policies and the best family health insurance plans in India online. Many reputed insurance companies state their plans and its details on their website.
This world peace day gifts you and your family some peace of mind by getting insured for accidents.