Why to buy Personal Accident Insurance?

What is accident?
If we check the meaning of accident, we will see it explained as “an unfortunate mishap; especially one causing damage or injury’. The summarization of accident is like ‘anything that happens suddenly or by chance without an apparent cause’.

Main reason of accidents:

1. Carelessness
2. Recklessness
3. Rashness
4. Fast Driving
5. Drink n Drive
6. Adventures backfired
7. Due to someone’s else fault
8. Burnt

There, will be hundred reasons for accidents; but the core is carelessness of humans, which cost one or the other at some point of life. Sometime, we are not at fault; but due to the fault of someone else we may have to face an accidental mishap. So, even if you’re cautious but not lucky; you may end up in an accident.

So, to say accidents will not touch me is too big mouth; the future is unpredictable and the best way is to prepare for it. What kind of preparations; and for what kind of disaster.

After Effects of Accidents:

1. Accidents may have emotional trauma and physical harm
2. Medical care and hospitalization bills may have financial devastation
3. God forbids, but any unfortunate mishap can also sometime mean partial or permanent disability
4. Sometime educational planning of child suffers due to inability to work after a life threatening accident
5. Family and dear ones are left with no choice, but to suffer due to financial instability
6. Accidental death can bring the worst upon your family members

So, these are not to scare anyone but facts to weigh; before being reckless about decisions in life. So, to prepare for accidental risks one must opt or buy personal accident insurance.

Highlights into a comprehensive cover for accidental cases:

1. This cover compensates for accidental death to insurer family and the compensation is provided to the nominee
2. It covers any kind of reconstructive surgery
3. For any permanent or partial disability the insurance cover compensation
4. Child education is given priority and is covered under the policy
5. If the insurer is disappeared for more than 1 year, than disappearance covered; after one year if the insurer’s death is established the nominee gets the compensation
6. Fractures and burns are covered arising out of an accident

Therefore, it’s wise to not take risks of accident mishaps but get prepared for a secured future. Life is not about taking chances but about making wise choices. So, people who do it in time are people who reap the maximum benefits.