Personal Accident (PA) insurance is designed to protect you from serious and unexpected injuries. Accidents happen as a part of life, PA insurance provides compensation in the event of injury, disability or death caused solely by 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 more justifiable a potential accident or injury might be. Despite this, even the most sedentary 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 and that 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 and protect them anywhere in the world, any time of the day. Group policies have the same features with the individual Personal Accident insurance.