Personal accident insurance is a must – व्यक्तिगत दुर्घटना बीमा का होना ज़रूरी होता है
Most people have a lot of knowledge about general life insurance and health insurance plans, but their knowledge about personal accident insurance is limited. A normal life insurance policy provides protection against loss due to death and a health insurance plan provides protection against hospitalization expenses. But do you know what is the purpose of personal accident insurance?
Suppose a person has become physically disabled in an accident. In this situation, the benefit of life insurance is available only on death (to the dependents of the victim) and the health insurance policy covers only the cost of hospital expenses. Some life insurance policies also offer personal accident as an additional benefit but these additional benefits are not comprehensive. In addition, the effects of an accident, such as death, can be as severe as the impact on income, which may last for a few weeks to a few months or even years. What can be the remedy in a personal accident policy in such a situation?
In general, a personal accident policy is an insurance plan that covers any bodily harm such as partial or total disability or dismemberment and loss of income directly due to it in the event of any type of accident. fulfills. This policy also indemnifies the nominee in case of death of the insured. Apart from this, it also provides financial stability to the individual and his family, even in case of temporary disability of the insured due to an accident and this feature makes it attractive to any individual for the purpose of taking insurance. Despite many similarities, there are many differences between personal accident insurance, general life insurance and health insurance. like life insurance,
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Personal accident insurance is important for every individual but it is considered more important for salaried employees living in the city. Usually a salaried employee has to go back and forth between home and office on a daily basis, for months and years. This type of lifestyle is more likely to cause an accident than to fall ill or die. In spite of taking all kinds of precautions, accidents do happen. This can result in partial disfigurement or even death. In this situation, an accident insurance policy is considered as important as a normal life insurance and health insurance.
The best part of personal accident insurance is that its cost is affordable for any individual so it can be easily availed by any individual without putting extra burden on the pocket. A premium of around Rs 3,000 per annum can go up to the cost of a 15 lakh personal accident insurance (HDFC). Now since the premium for personal accident insurance is not determined according to the income of the person, it would be the same for a 50-year-old as it could be for a 25-year-old at that time. The premium for personal accident insurance depends on the occupation and nature of the individual. Additionally, personal accident insurance can also be taken as a comprehensive policy for the entire family.
It is true that the premium for personal accident insurance is very low, but still people in India take this insurance plan less. In fact, the features of personal accident insurance are mixed inside life insurance and health insurance. Now since most people have one or both of these policies, they try to avoid it by considering it as an alternative to personal accident insurance and considering this insurance as an additional cost. The reason why people take this insurance scheme less is also that the awareness about this insurance scheme is still very low in India. Most people identify non-life insurance as health insurance or motor insurance only. Many people need this type of insurance but they probably do not even know about this type of insurance plan. People who are aware of this insurance scheme think that they do not need it. Actually, People are overconfident about themselves who believe that no accident can ever happen to them. While the truth is that an accident can happen anytime and anywhere, even if it does not happen to everyone. Hence it is necessary to have a suitable personal accident insurance to protect yourself and your family from the consequences of an accident.
It is necessary to have personal accident insurance. Insurance : Personal Accident Insurance
It is necessary to have personal accident insurance: Insurance: Personal Durghatna Bima Ka Hona Jaroori Most people know about General Life Insurance (General Life Insurance) and Health Insurance (Health Insurance) scheme, but little information about personal accident insurance C is less.
A General Life Insurance (General Life Insurance) policy provides relief from loss due to death and the burden of hospitalization expenses in a Health Insurance (Health Insurance) plan. But, do you know what is the main purpose of personal accident insurance?
So let’s try to find out, suppose a person has become physically disabled in an accident. In this situation, the benefit of Life Insurance (life insurance) is available only on the death of the insured (persons dependent on the victim), while in the Health Insurance (Health Insurance) policy only the cost of hospital expenses is compensated.
Some life insurance policies offer personal accident as an additional benefit, but these additional benefits are not as comprehensive. Apart from this, the effects of an accident such as death, impact on income can also be serious, which can be effective from a few weeks to a few months or even a few years. What can be the remedy from a personal accident policy in this situation?
Generally, a personal accident policy is an insurance plan that provides compensation for any physical loss such as partial or total disability or dismemberment in the event of any type of accident and the direct impact on income due to this. Does
In this policy, the nominee is also compensated in case of death of the insured. Apart from this, it also provides a financial stability to an individual and his family even in the event of temporary disability of the insured due to an accident and it is this feature that attracts one towards the purpose of taking the insurance.
Despite having a lot of similarities, there is a lot of difference between Personal Accident Insurance, General Life Insurance and Health Insurance. Like life insurance, the premium for personal accident insurance may vary depending on the occupation of the insured and not on the basis of his age.Personal accident insurance is necessary for every individual but it is more important for the employees living in the city. Normally a salaried employee has to go back and forth between home and office for many days, months and years. Such a lifestyle is more likely to cause an accident than to fall ill or die.
Despite taking a lot of precautions, sometimes accidents happen. Due to which partial dismemberment or even death occurs. In such a situation, an accident insurance policy, a general life insurance and a health insurance are important.
It is also true that the premium in personal accident insurance is at a very low rate, but even after this, people in India still take this insurance scheme in small quantities. In fact, the characteristics of personal accident insurance are mixed with those of life insurance and health insurance. Since most people now have one or both of these policies, they try to avoid this insurance by considering it as an alternative to personal accident insurance, considering it an additional expense.
One of the reasons for taking this insurance scheme less is that very few people still know about this insurance scheme in India. Most people know non-life insurance as health insurance or motor insurance only. Many people need this type of insurance but they probably do not even know about this type of insurance plan.
Those who have information about this insurance scheme think that they do not need it at all. Some, people are overconfident about themselves who think that no accident can ever happen to them. Whereas the truth is that an accident can happen anytime, anywhere, with anyone. It may not happen with everyone. Therefore, it is almost essential to have a suitable personal accident insurance to protect yourself and your family from the consequences of an accident.
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Source : https://www.hdfcergo.com/blogs/personal-accident-insurance/hindi-personal-accident-insurance-importance
