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    Brian Jean ‘mortally wounded’ by Notley beating comment, blogger says

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    Mommy blogger who poisoned her 5-year-old son to death with salt says she’s being bullied by inmates who dump salt all over her prison meals

    Mommy blogger who poisoned her 5-year-old son to death with salt says she’s being bullied by inmates who dump salt all over her prison meals

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    Veteran Curator Nancy Spector Is Such a Feminist, Her Teenage Daughter Even Blogs About It

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    British YouTube blogger criticised after videos showed North Korea as ‘cool and wonderful’

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    HSE hires food blogger and other social media experts

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    Brian Jean ‘mortally wounded’ by Notley beating comment, blogger says

    Brian Jean ‘mortally wounded’ by Notley beating comment, blogger says

    Essays by Han Han, the Chinese Blogger and Media Superstar

    Essays by Han Han, the Chinese Blogger and Media Superstar

    Mommy blogger who poisoned her 5-year-old son to death with salt says she’s being bullied by inmates who dump salt all over her prison meals

    Mommy blogger who poisoned her 5-year-old son to death with salt says she’s being bullied by inmates who dump salt all over her prison meals

    Veteran Curator Nancy Spector Is Such a Feminist, Her Teenage Daughter Even Blogs About It

    Veteran Curator Nancy Spector Is Such a Feminist, Her Teenage Daughter Even Blogs About It

    Essays by Han Han, the Chinese Blogger and Media Superstar

    Pranjal Salecha’s Journey Of Being A Blogger

    British YouTube blogger criticised after videos showed North Korea as ‘cool and wonderful’

    British YouTube blogger criticised after videos showed North Korea as ‘cool and wonderful’

    3 Useful Tips for Using Images in Blogs

    3 Useful Tips for Using Images in Blogs

    Essays by Han Han, the Chinese Blogger and Media Superstar

    National Book Store collaborates with lifestyle blogger on limited edition products

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      How much does it cost to take the Bar Exam in the UK?

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      Land I gave for sports centre lying idle, says India’s 1st Olympic medalist’s son

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      What Kids Should Know by the Time They’re Done With School

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Things to Check before Buying a Personal Accident Insurance

Ina L. McManus by Ina L. McManus
March 9, 2023
in Life
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When it comes to your family’s financial security, 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 death or permanent/temporary disability due to an accident. The rising popularity of this particular policy has caused many people to opt for the procedure. So, many insurance providers are offering the cover in different varieties. It is important to know which approach is right for your needs. Before buying the body, here is a list of things to consider before purchasing a personal accident policy.

  • Article Summary show
    Choose your plan carefully.
    Premium value
    Check the history of your insurer.
    Check the coverage
    Opt for add-ons
    Find out the exclusions.
    Learn about the claim process

    Choose your plan carefully.

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

  • Premium value

A higher premium may guarantee a bigger cover, but you may also pay more in compensation than the actual risk of an accident. A low premium for a minimal cover is not enough, either. You have to find the right balance between the value of the bonus and the body.

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  • Check the history of your insurer.

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

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  • Check the coverage

The insurance policy comes with different types of coverage. A good personal accident plan should cover death, loss of eyesight, disability of limbs, permanent disability, and temporary disability. Before buying the policy, you need to learn about the coverages to ensure adequate financial security.

  • Opt for add-ons

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

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  • Find out the exclusions.

Insurance includes exclusions, health insurance, life insurance, or a personal accident plan. Before buying a policy, you must 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 if you are a regular international traveler.

  • Learn about the claim process

If you meet with an accident, you or your family members have 30-days to inform the insurer to make a claim. As mentioned in your policy, you must submit a claim form, a copy of the First Information Report (FIR), and other required documents. You need to understand the requirements to experience a smooth claim settlement process. A personal accident policy can be quite helpful in an unfortunate event. However, you must ensure that you buy the right policy 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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