Human life is a chain of both fortunate and unfortunate events. In this chain, fortunate events make us feel happy and blessed so we never miss an opportunity to smile. But when it comes to unfortunate events like accidents, we tend to ignore the loss them. This is where personal accident cover comes in.

Opting for health insurance that offers financial cover for accidental injuries, disabilities, and demise is the best decision anyone could ever make. However, an individual is required to validate his/her claim that every possible measure was taken to prevent an accident. A request with an invalid claim is not accepted by any accident insurance provider.

In addition to this, an individual must inquire about eligibility, exclusions, and benefits of health insurance before applying for personal accident cover. Moreover, while applying for accident insurance make sure to choose an insurance plan that gives worldwide coverage.

So, here’s what you need to know about all the features that are offered under any accident insurance:

Eligibility for Personal Accident Cover

In order to apply for accident insurance, an individual must be between the age of 18 to 65 years. As for dependents the age taken into consideration is between 05 to 21 years.

Major Exclusions Offered

Following are the major exclusions offered under Personal Accident Cover:

• Financial help for treatment of illness or disease at the time of hospitalization
• Injuries caused while performing athletic activities
• Pre-existing disability or injury
• Serious case of self-injury or suicide
• Terrorism or war-related injuries

Key benefits

• Stay financially secured
• Medical expenses covered
• Hospital confinement allowance
• Children's education bonus
• High disability compensation
• Claim-free bonus
• Quick disbursals
• Family discounts