Personal Accident Insurance Protects Yourself from All Kinds of Accidents

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What is accident insurance and how is it different from life insurance? Many of us think that personal accident insurance is insurance that will protect us from the risk of accidents due to motor vehicle accidents. 

Actually, personal accident insurance not only protects us from accidents due to motorized vehicles, but also covers the risk of death and permanent disability caused by an accident or incident that comes suddenly, unplanned, from outside which results in death or permanent disability. Such as, accidents at work, accidents while driving, including incidents such as poisoning due to inhalation of toxic gases or vapors, suffocation or drowning.

If we have an accident due to a fall while doing activities at work that result in permanent disability, can we get benefits from personal accident insurance? Of course, because this is an accident that is not planned and results in the risk of permanent disability for us. 

The insured has the right to make a claim on his personal accident insurance policy provided that at the time of the accident the policy is still active and in accordance with the provisions set by the insurance company. In general, personal accident insurance will have coverage for one year, with different amounts of compensation as stated in the policy.

However, what needs to be considered in personal accident insurance where there are things that cause accidents that are not guaranteed,  bungy jumping , speed or agility races in cars or motorbikes as well as air and water sports. In addition, personal accident insurance does not cover accidents caused by committing or participating in crimes and violating laws and regulations, riots, riots, rebellion and war.

In personal accident insurance, accidents caused or caused by the Insured carrying out duties as a military or police service will also be an exception or are not guaranteed by the insurance company. Therefore, it is important for us to always read and understand the contents of the personal accident insurance policy that we have. So that we can know for sure what will be guaranteed and not guaranteed by the insurance company.

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