Personal Accident Insurance (PA) is designed to protect you from serious and unexpected injuries. Accidents happen as a part of life. The insurance policy compensates in the event of injury, disability, or death caused by a violent, accidental, external, and visible event. It is different from Life insurance and Health/ Medical insurance.
PA includes accidental death, permanent total or partial disablement, loss of (or loss of use of) body parts, temporary total or partial disablement, and medical expenses.
Typically, the more dangerous your job, the greater the risk of a potential accident or injury. However, even relatively inactive roles can cause injury. Accidents can happen anywhere, in your home, your place of work, your vehicle. You can sustain an injury that prevents you from working from just about anywhere. Therefore, this is why everybody should at least consider their options regarding personal injury insurance.
You can either take a PA policy for yourself or a group policy for your family members or employees to protect them anywhere in the world, any time of the day. Group policies have the same features as an individual PA insurance.