Accidents just happen! You cannot avoid them because if you could have you would have avoided them. The best you can do is to buy a personal accident policy visualizing the impact it could have upon your finances if it occurs. An accident can leave you or any of your family members permanently disabled or permanently partially disabled. In such a case, your family would face financial crisis bearing the cost of treatment and also losing upon the income generated from the earning family member. Mere thinking of such a scenario may give you goose bumps as it would leave our family stranded amidst the financial burden. The personal insurance policy provides financial stability by catering to your medical needs and also taking care of your day to day expenses.

How do I buy personal insurance policy?

You can buy online personal accident policy and also renew the premiums online. The online personal accident policy purchase is a hassle free and time saving process. The information about the personal accident policy is readily available online and you can even chat online with insurance representative to clear your doubts and to gather any further information.

All the benefits and fee- look period conditions remain the same in online personal accident policy with the added benefit of your time and energy being saved.

Who can buy personal accident policy?

Any person between 18 to 65 yrs of age can purchase a policy for self, spouse, children and parents (upto 65 yrs).

What are the Major Benefits extended under accident policy?

Double indemnity of sum insured in case of accidental death
Permanent partial disability following accident
Permanent disability following accident
Educational expenses of children
Transport expenses
Daily cash payouts to bear medical cost

What are the exclusions under accident policy?

Accidental death or disability occurring from attempt to suicide
Driving and meeting with an accident under influence of liquor/alcohol or any banned drug
Accidents arising due to war
Complications arising due to pregnancy or childbirth
Accidents arising due to involvement in any criminal activity

Do I require personal accident policy as my employer has provided me with one?

Even if your employer extends you the accidental coverage it is valid till the time you are part of the organization. The moment you leave the organization the coverage would be forfeited. Also, do check the sum insured. If an accident leaves you disabled or partially disabled would that amount suffice to take care of you medical treatment and fulfill other financial liabilities?

Act before it is too late and buy personal insurance policy to help your family fight with the odds, if they arise.