Complexity Involved And Benefits Offered In Accidental Insurance Policy

Its not about an Advertisement, it’s not about a thing you posses – it’s about life. A life so crucial, a life so sacred that we do everything to save it from the black eye. But then, unfortunate things do happen, people do meet accidents and do get injured. Often, they come out safe in terms of early recovery, but everyone is not so lucky. Howsoever we may deny but cases of death and permanent disability do happen and PEOPLE DO PASS AWAY in their young age. While there is nothing much we can do to avoid these misfortunes, we can work upon taking an assurance which will safeguard us, at least in monetary terms. Taking an accidental insurance is one of the best ideas to safeguard ourselves. Accidental Insurance cover – offered by all the Insurance Companies working in India, giveinsurance cover for almost all kinds of accidents. Take for example – ICICI Prudential, one of the major life insurance companies in India, offer policy for accident.  Whichever the company, the baseline for an accidental policy is similar – it provides accidental cover in case of permanent disability or in case of death. Most of the companies provide you the following benefits when you take an Accidental Cover Life Insurance Policy: • Hospitalization Charges • Reconstructive Surgery • Ambulance Cost • Last Rites Cost • In- Hospital Medical Expenses • Emergency Medical Expenses • Dependent Childs Education Expenses  • Mobility Extension These benefits may vary from company to company. Some of the companies may provide some more benefits while some may be less on these benefits. To see the accidental and permanent disability insurance policy of which company suits you best, you will have to survey a bit. You can do this either by calling the Insurance Advisor or by visiting the Insurance Companies office.  With rift competition, the insurance companies are coming up with newer ideas, both in terms of policies and the way in which premium has to be paid. After discussion with the Insurance Advisor (who will you give the best advice on which policy to take because of his knowledge in the field of insurance) and the premium amount you can pay, take an accidental death insurance. Some insurance companies give a lot of importance to the kind of work you do. Do not get disturbed by this fact, as the nature of your job decides the risk faced by you on daily basis. Based upon it, the risk cover is calculated and so the premium amount you will pay.  To be assured that your family will be secured after or death or you will have financial stability even in case of permanent disability, is the best thing one can have in today’s fast paced life where people do not have time. So, when you buy an insurance policy, you just don’t buy a policy - you buy Peace of Mind – which is more important than anything else. So, get one – as soon as possible…