Personal Accident Insurance Policy
on Room Rent
on Room Rent
What is a Personal Accident Insurance Policy?
A Personal Accident Policy is a type of additional health insurance that is there to protect you financially in unfortunate situations where you, or even your family members, might face an accident that results in an injury, or in the very worst-case death.
Accidents can occur at any time and turn your life upside down – not only will you be affected physically and of course emotionally, it can also end up being a financial burden. If you have the good fortune to be covered by a regular health insurance policy, it might just cover standard medical expenses like hospitalization charges.
For example, if you fall on the stairs and get a slipped disk or a fracture, you might end up facing a lot of other costs. With a Personal Accident Insurance Cover, you will be able to get a specific lump sum amount to cover any other medical and related expenses, as well as any lost income while you are recovering from this injury so that you can be sure of your financial stability.
Why do you need a Personal Accident Insurance Cover?
A personal accident cover will keep you and your loved ones secure in case of any unforeseen accidents. So, why do you really need it?
What's great about a Personal Accident Insurance by Digit?
What is Covered in Personal Accident Insurance by Digit?
When you get a Personal Accident Cover, you and your family will be protected in case of... (*Based on the option selected by you)
What is Not Covered?
There are some situations where a Personal Accident insurance won't cover you, such as
How much does a Personal Accident Insurance cost?
There are a lot of relevant factors that go into calculating Personal Accident premiums, such as:
- Your age
- The nature of your occupation
- Your income
- The number and ages of any additional members (like parents, spouses, or children)
- Your geographical location
- What Sum Insured you have opted for
Types of Personal Accident Insurance Plans
Standard Policy Features
Who should get a Personal Accident Insurance?
Since with this cover you will get a fixed benefit in case of an accident, anyone who feels like their livelihood or work might put them at risk of an accident might want to consider getting a Personal Accident insurance. This might include:
People With Low Risk Occupations
- Office workers (like consultants, accountants, and engineers)
- Health care workers
- Legal professionals
- Artists, writers, and designers
- Teachers and School Students
- Civil servants and Bureaucrats
People With High Risk Occupations
- Industrial Workers (non-hazard)
- Security officers
- Photographers and Chefs
- College / University Students
- Builders, contractors & construction workers
- Hospitality and Tourism Sector Workers
- Airline Crew and Airport Staff
- Delivery Personnel
People With Very High Risk Occupations
- Industrial Workers (hazard workers)
- Professional Athletes
- Police and Military armed personnel