Is personal accident insurance necessary?

Yes! While health insurance is meant to cover the hefty hospitalisation bills, personal accident insurance helps to fill in the potential gaps of health insurance.

What is covered under accident plan?

Accident insurance helps you pay for medical and other out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, medical exams, as well as other expenses you may face such as transportation and lodging needs.

Do I really need personal accident insurance?

You might be thinking that personal accident insurance is not necessary, especially if you already have health and life insurance. But in fact, it is complementary rather than excessive, as personal accident insurance provides some benefits that your health and life insurance plans might not.

What is covered under personal accident?

Personal accident plans provide complementary insurance coverage for accidental injuries, disability and death. This is typically in the form of a lump sum payout or on a reimbursement basis.

What can be claim under accident plan?

In such scenarios, a personal accident plan will be able to protect you from accident-related medical bills as well as provide compensation to make up for lost wages. This is through paying a daily hospitalisation benefit and/or a lump sum payout.

What is covered under personal accident policy?

A personal accident insurance policy is a type of general insurance that provides benefits in the case of accidental death, disability and injury. The benefits usually cover all phases of suffering an accident, from evacuation to hospitalisation and treatment, rehabilitation and recovery.

What is considered personal accident?

"Accident" is an event which is sudden, unforeseen and unexpected that results in the Insured person suffering death or permanent disablement or injury.

Does accident plan cover food poisoning?

That's not all. If you're hospitalised due to an accident, Dengue Haemorrhagic Fever (DHF) or food poisoning, Essential Protector Plus also offers a daily hospital income benefit, which will help make up for loss of income while you recover.

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