Accidental injury as the name suggests delineates all those types of injuries which are the outcome of a mishap. Falls, cuts, burns, road accidents, bites, stings, and drowning are examples of accidental injuries. Accidents can happen at any time and accidental injury is a significant cause of death. Injuries resulting from an accident such as slip, fall, car crash, trip leading to severe physical damage or hurt have a devastating effect on the lives of people in terms of physical pain, financial crisis, and emotional trauma. Individual personal accident insurance covers such injuries. So, what is considered an accidental injury in personal accident insurance?
For example, a fall on stairs might cause a slipped disk or fracture, or one mistake on the road can be detrimental, or worse fatal. Such accidents can cause devastating outcomes if not treated properly, leading to a deep hole in your pocket. To face such eventuality, personal accident insurance should be an important insurance policy you buy. It protects you and your family in the event of an unexpected injury that requires medical care.
Exclusions in Personal Accidental Insurance
Personal accidental insurance generally doesn’t cover events like suicide, criminal activities, injuries occurring due to adventurous sports activities. The insurance doesn’t cover these accidents since they occur due to negligence. So it is equally important to keep an eye on the ailments and events not included in the policy. This policy does not cover disease or any other natural cause of death. So, covid or other vector-borne diseases are not accidents.
Availing personal accidental insurance does not provide you with a blank cheque to cover every type of accident because some accidents might happen because of negligence or intentional acts. The courts have specified that a person should take every possible measure to avoid an accident. If he makes no attempts and acts negligently then he cannot make any claims. It is the responsibility of the insured to take proper measures to avoid mishaps.
One needs to be clear about the nature of injury before filing a claim against the personal accidental policy as it only triggers in unfortunate or unforeseen mishaps.
Also Read: What does personal accident insurance cover?
Rahul got injured in a car accident. A third-party vehicle hit his car. He got cuts, bruises, and a skull fracture. The case was critical and needed immediate surgery and it cost around Rs. 30 Lakh. Since he had a personal accident insurance policy, it saved him from such a hefty cost. The policy covered accidental injuries and provided re-reimbursement for all medical costs, lost income up to the limit of the sum insured.
Road accidents, accidents to pedestrians may result in serious and fatal injuries. As in the case of Rahul, a personal accident insurance policy can save you from spending all your savings in case of an accident.
What is considered an accidental injury in personal accident insurance?