Accident Health Insurance Guide

accidental health insurance coverage

Accidents are unexpected and bring lots of difficulties along with it for the victim as well as for his or her family members. In the majority of cases, the victim becomes disabled for whole life. An accident can ruin the life of a victim. It may affect a person’s vision capability that would impact the lives of all dependents.

At one end, physical bodily injuries are checking mental patience of a person and on the other hand, the affordability of treatment costs turns out to be the biggest headache. No one would like to see his or her dear one juggling with emotional and financial problems.

You may arrange money by selling off precious assets or borrow some amount from relative or friend. But, this may create a problem in the future. Therefore, buying online accidental health insurance policy is the best way to handle the increasing medical costs. This policy is made, considering the medical requirements of a person experiencing an accident.

These policies are also called as disablement and death plans, based on the principle of benefit. Accident health insurance provides a sum insured money to the beneficiary, in case of policyholder’s demise because of an accident. It offers coverage for temporary or permanent disablement as mentioned in the policy document.

In the case of disablement, the limit of coverage is based on bodily injuries. Besides disablement and death, the policyholder is eligible to avail other certain advantages, including several bodily injuries coverage, purchase of blood, vehicle modification, family transportation, emergency ambulance charges and inpatient medical treatment and so on.

The lump sum amount that the policyholder receives based on the policy terms and extent of injuries incurred. Online accident health insurance policies are the best way to assist your family financially, after the breadwinner’s demise.

Its affordable costs are another distinctive feature of this plan. A buyer should consider buying the plan from a reputed insurance company in India. This product is one of the well-known plans in the Indian insurance market. Generally, it is available in two different variants, namely Premium and Standard.

An individual can select as per his or her budget and healthcare requirements. It gives comprehensive coverage to the policyholder and his or her family, in case the policyholder meets with an accident.

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