The accident insurance allows you to pay for medical and other out-of-pocket costs that you may incur owing to 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.

  • Why you need the policy: When an accident is fatal and leads to you or your family incurring medical costs, then it really is a financial burden. So, to avoid such financial troubles, you will need to be equipped with an accident policy. In fact, under the government’s directives all person driving a 2-wheeler or 4-wheeler compulsorily needs to have an accident policy. If a better part of your day, you are on road then it is always advised to equip yourself with the right accident policy coverage, as you never know when some unforeseen incident will happen.
  • What the policy offers: You can purchase the personal accident cover in Mumbai as an individual coverage or as a group personal accident insurance. The group insurance is generally applicable for companies who appoints a fleet to run their services and this one policy helps offer coverage to the entire staff strength. Irrespective of whether it is an individual policy cover or a group cover, the accident insurance pays 100% of the sum insured in case of death or total permanent disability. In case of a temporary disability, the pay-out is a certain percentage of the sum insured. This percentage varies across the disability suffered by various organs.
  • Who should buy: Accident policy is universal and any and everybody should have this policy with them considering future uncertainties. An accident can happen at home, in transit or even owing to someone else’s negligence. So, given the unpredictable nature of its occurrence, it will be good to have the best accident insurance policy in Mumbai with you to stay financially guarded.

While the benefits of an accident insurance is many, but it is important to gauge the exclusions of the policy in advance. This is because, being unaware can cost you a lot of money in case an accident happens and certain aspects of the same are not covered under the policy you have bought. In most cases, such an insurance policy doesn’t cover a pre-existing disability, self-inflicted injuries, attempted suicide and suicide among others. Also, if you encounter an accident under influence of drugs and alcohol then that is also not covered under the policy terms. Hence, it is essential to read the fine print of the policy to know the exclusions of this policy before investing in it.

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