Personal Accident Cover Can Provide Compensation for Medical Expenses during a Personal Injury

With so many two wheelers and cars on the road it is possible for an accident to occur even to the safest of drivers. In such a situation you have to pay for repair costs that can run very high. Medical expenses can be difficult to deal with. Avoid such problems by taking personal accident cover. It will cover you, your spouse and two dependent children.

What coverage does personal insurance offer?

You can apply for this insurance online. Just visit the insurance company’s website and use their calculator to get a quote. You can view the quote and choose from the plans available. Fill up the proposal form with relevant details and submit it online. Your policy would be generated in no time after making premium payments. Personal accident insurance offers coverage for the following:

·         Covers bodily injury caused by accident

·         Covers permanent total disability and permanent partial disability

·         Medical expenses for treatment of accidental injury

·         Double indemnity of death while travelling in public transport

·         Daily hospital cash

Coverage for this policy is available for a period of twelve months after which it must be renewed. You can do the renewal online itself, which saves a lot of time and efforts. Personal accident insurance comes to the rescue particularly in situations where an earning member of the family becomes injured and wife and dependent children have to be supported. In case of a serious accident the policy will pay out to meet heavy medical expenses. How will the family cope otherwise? The benefits of this policy is available when the person in inside the country and also when living abroad.

Application and claims process

There are various personal accident insurance coverage available, so look into the benefits and the cost of each before selecting one. There is no need to provide any documentation or take any medical tests to avail this insurance. It is possible for anyone from age 18 to 65 to get it.  The claims process is very simple. All that is required is to call or send email to the insurance company to register the claim.  All required documents must be provided to get the claim through. Money will be provided based on the coverage opted, within a short period of time.

Online Quotes to Buy Personal Accident Insurance

It is always better to take free online quotes before buying personal accident insurance plan to compare the premium and the benefits.  What you have to do is to approach certain companies on line and requisition quotes, which in most cases are offered free of cost. Compare various quotes and shortlist the ones you prefer. Out of these, just choose the best one suitable for you, based on your specifications, like cost-effectiveness, group insurance policy, single policy including self and dependent family members comprising parents, children - in a nutshell a customized policy exclusively meant for your benefits. Online insurance policy can fetch you concession in premium to the extent of 55% per annum.

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Created on Dec 31st 1969 18:00. Viewed 0 times.

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