By: Hement Sharma
Submitted: 2011-07-12 06:56:14 | Word Count: 541
Insurance is a risk management technique. Auto insurance also called as vehicle insurance. The main purpose is to protect against financial protection against physical damage or bodily injuries which results from collisions.
A personal accident insurance policy is an insurance contract that covers risk arising from accidents, be it at home, or outside. By investing in Accident Insurance, you can protect your family and yourself from the financial concerns such as loss of income and medical expenses that unforeseen accidents lead to. It is contracts that arise from accidents at home or at road. When investing in this plan anyone can protect his or family from the losses or medical expenses.
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A Personal accident plan would cover the individual and his dependants from the risk of death due to an accident. In addition to that, depending on the plan that is chosen, the personal accident insurance policy would also compensate the insured person for loss of income in case of temporary or permanent disablement. When you are selecting a plan, it is a good idea to ensure that additional benefits include family transportation, transport of imported medicines, purchase of blood, etc.
The good personal accident insurance will keep you in peace of mind if you met with small or big incident. Apollo Munich Health has designed Individual Personal Accident Plan based on the principle of prevention and wellness.
The personal accidental insurance not only made for you but also covers yours family. This type of is valid for one year and covers people between 5 to 70 years. Child below 5 years can be covered from 91day onwards if both parents covered under the same policy.
Apollo Munich Individual Personal Accident Plan provides for all the benefits you are looking for. A compensation of 100% of Accidental Sum Assured up to Rs 15, 00,000 would be paid in case of temporary total disability. There is standard as well as premium version. It comes in two variants standard as well as premium
Apollo health insurance offers our customers maximum health benefits with minimum efforts. All insured members can call the health line and quote of their customer id to reach our experts and avail primary consultation, health-related consultation, individual referrals, health information, nutrition and diet, at no extra cost.
Benefits of accidental insurance:
1. Get a weekly allowance reimbursed for in patient treatment in hospital due to accident.
2. get an lump sum payment in case of fracture of bone due to accident.
To claim the accidental policy he /she must follow the steps
1. Contact the appolo munich health insurance company.
2. speak to the concerned person and tell about the incident, how it occurs the accident. Tell him about the details related to accident. After then he/ she will assist you to claim
3. The insured person will need to submit several documents to claim reimbursement one can download the form through online.
4. Once the form is complete it is to submitted to TPA person or to Apollo.
There are benefits of accidental plan
1. Accidental death
2. Emergency ambulance cover
3. Family transpotatation
4. Modification of residence or vehicle
5. Purchase of blood
