{"id":518,"date":"2022-04-22T13:13:45","date_gmt":"2022-04-22T13:13:45","guid":{"rendered":"https:\/\/elephant.in\/knowledge-center\/?p=518"},"modified":"2024-10-24T10:26:56","modified_gmt":"2024-10-24T10:26:56","slug":"how-does-a-personal-accident-insurance-policy-work","status":"publish","type":"post","link":"https:\/\/elephant.in\/knowledge-center\/blogs\/personal-accident-insurance\/how-does-a-personal-accident-insurance-policy-work\/","title":{"rendered":"How does a Personal Accident Insurance policy work?"},"content":{"rendered":"

An accident does not come knocking at your door. Accidents can be a very shocking experience – not just for those involved but for families and friends as well. The uncertain nature of accidents catches people by surprise, giving them little time to react. It can\u00a0cause severe injury, permanent disability, or even death.<\/p>\n

Any accident leads\u00a0to a financial crisis. Accident victims and their families deal with immense mental and financial stress. Treatment, hospitalization, and inability to work while recovering contribute to hardships, and that is why it is always recommended that you\u00a0buy <\/u>personal accident insurance<\/u><\/a>. Don\u2019t you think?<\/p>\n

Personal accident insurance\u00a0provides necessary financial assistance to you and your family against accidental death\u00a0and\u00a0physical injuries disabilities\u00a0(Temporary, Partial\/Permanent). There are various rider benefits such as Medical Expense Cover, Hospital Confinement Allowance, and Accidental Hospitalization Cover\u00a0that a person can choose from.<\/p>\n

Types of <\/b><\/strong>Personal A<\/b><\/strong>ccident Policy<\/b><\/strong>: <\/b><\/strong><\/h2>\n

Individual Accident Insurance:<\/b><\/strong><\/h3>\n

In case of any accidental damage, this type of policy guards ONLY an Accidental death, loss of sight or limbs, or other permanent disabilities are covered by the insurance.<\/p>\n

Group Accident Insurance<\/b><\/strong>:<\/h3>\n

This type of insurance is taken by employers to give their employees Insurers provide a discount on premiums depending on the group size. For small organizations, it is a good incentive\/value-added advantage as it is available at a very low cost. This is a basic plan and may offer very limited benefits as compared to an individual plan.<\/p>\n

What is covered by Personal Accident Insurance?<\/strong><\/h2>\n

Accidental Disability:<\/h3>\n

A policyholder, who is partially or totally disabled(inability to do work and physical impairments) can claim for this coverage. Total disability can be temporary or permanent.<\/p>\n

Accidental Death:<\/h3>\n

In case of an unfortunate death due to an accident, a policyholder can claim this type of coverage.<\/p>\n

Hospital cover:<\/h3>\n

If an accident leads to hospitalization, payment is made each day for a certain number of days, under this type of coverage.<\/p>\n

Personal Accident Insurance Exclusions:<\/strong><\/h2>\n
    \n
  1. Pre-existing injuries or disability.<\/li>\n
  2. Accident due to intoxication of alcohol and drugs.<\/li>\n
  3. Pregnancy or childbirth.<\/li>\n
  4. Taking part in a dangerous and unsafe sports event.<\/li>\n
  5. Intentional suicide attempt.<\/li>\n<\/ol>\n

    If you are eager to protect yourself from the risks\u00a0of accidents, then\u00a0you must check\u00a0Elephant<\/u><\/a>\u2019s\u00a0Personal Accident Insurance plans.\u00a0Safety first!<\/p>\n","protected":false},"excerpt":{"rendered":"

    An accident does not come knocking at your door. Accidents can be a very shocking experience – not just for those involved but for families … <\/p>\n","protected":false},"author":2,"featured_media":519,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[83],"tags":[],"class_list":["post-518","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-accident-insurance"],"yoast_head":"\nHow does a Personal Accident Insurance policy work<\/title>\n<meta name=\"description\" content=\"A personal accident insurance policy financially secures you against accidental death and physical injuries. 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