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Things to Check before Buying a Personal Accident Insurance

Ina L. McManus by Ina L. McManus
November 30, 2020
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When it comes to the financial security of your family, a personal accident insurance policy can help you effectively. This insurance policy is designed to provide the policyholder and the family with monetary cover in case of death or permanent/temporary disability due to an accident. The rising popularity of this particular policy has caused many people to opt for the policy. So, many insurance providers are offering the cover in different varieties. It is important to know which policy is right for your needs. Before you buy the cover, here is a list of things to consider before purchasing a personal accident policy.

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  • Choose your plan carefully

When choosing a personal accident plan, you need to first decide if you want an individual plan or a family plan. In the case of the latter, the plan provides cover for your entire family. The best policy, in this case, will be the one that offers covers for accidents from regular activities.

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  • Premium value

A higher premium may guarantee you a bigger cover but that also means you may end up paying more in premium compared to the actual risk of an accident. That said, a low premium for a minimal cover is not enough either. You have to find the right balance between the value of the premium and the cover.

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  • Check the history of your insurer

A personal accident insurance policy is as good as the insurer who is offering it. When buying any insurance plan, you must learn about the history and market reputation of the insurance company. Find an insurer with the best claim settlement record.

  • Check the coverage

The insurance policy comes with different types of coverages. You need to learn about the coverages before buying the policy to make sure of adequate financial security. A good personal accident plan should offer cover for death, loss of eyesight, disability of limbs, permanent disability, and temporary disability.

  • Opt for add-ons

The personal accident insurance policies offer different add-ons that you can buy in order to enhance your covers for additional premiums. Some of the most popular ones among them are child education benefits, daily cash during hospitalization, ambulance fees, and hospitalization expenses, among others. You can read the policy document to know more about these riders.

  • Find out the exclusions

Every insurance policy comes with exclusions, be it health insurance, life insurance, or personal accident plan. Before buying a policy, it is important that you read the legal documents thoroughly to discover what events are not covered. For example, not all policies offer cover for accidents that occur when you are traveling abroad. However, such a cover might be important to you if you are a regular international traveler.

  • Learn about the claim process

If you meet with an accident then you or your family members have 30-days to inform the insurer to make a claim. You need to submit a claim form along with a copy of the First Information Report (FIR) and other required documents as mentioned in your policy. You need to understand the requirements in order to experience a smooth claim settlement process.

A personal accident policy can be quite helpful in case of an unfortunate event. However, you need to make sure that you buy the policy that is right for your specific needs.

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Ina L. McManus

Ina L. McManus

Hi, This is Ina who works hard for this website and love to share the news in my website. You are most welcome to contact me anytime you want.I am always dedicated and well researched person.

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