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Personal Accident Cover regarding

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23 Aug, 2022 by  RAJENDRAKUMAR VEERAIAH MUTHUMANICKAM

Dear Beshak Team,

Am in market for standalone personal accident cover. I am interested in 1cr sum insured which most of insurers aren't widely providing right now.


Can you please suggest standalone personal accident policy names with following decreasing order of priority(meaning first one has highest priority and last one has a nice-to-have priority)

1) 1 crore Sum insured

2) Coma

3) Prosthetics/artificial limbs

4) bone fracture

5) burns

6) Disappearance

7) Adaptation (modifying vehicle, house to suit disability)

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Accident Insurance

2 Answer

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24 Aug, 2022
connect with advisor

Hi Rajendra,


There are a lot of options on personal accident cover and they provide huge range of benefits, you can schedule a meet up so that we can guide you better


Thanks

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24 Aug, 2022
CEO, Insurance Samadhan

Dear Rajender

All accidental covers two risks

1. Accidetal death

2. Defined disability caused by accident , this disability should be permanent in nature .


Under disability, most of plans offer 10 % of sum assured each year for 10 years .

1. Coma is covered

2. Prosthetics are not covered , you get only 10 or 20 % of sa .

3. Bone fracture and burns sre not covered

4. Disappearance are not covered under accident

5. Accessories not covered , ypu get % of SA .


Hope this clarifies


Shailesh

Insurance Samadhan

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