Personal Accident Cover
Get protected against accidental injury with Personal Accident Cover for your two-wheeler insurance policy. Covering death and disability, this add-on provides financial security for you and your family in the event of an accident.
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What is Personal Accident Cover in Two-Wheeler Insurance?
Personal Accident Cover, also known as PA Cover, is a type of add-on insurance that provides financial protection in case of death or disability caused by an accident involving the insured two-wheeler. It covers the policyholder, as well as any pillion riders, in case of an accident.
Why opt for Personal Accident Cover
- Accidents can happen at any time and without warning.
- Personal Accident cover provides a financial cushion in such circumstances, offering financial assistance for medical expenses, rehabilitation, and other expenses incurred due to the accident.
- The policy can also provide a lump sum amount in case of death or disability caused by the accident.
Benefits of Personal Accident Cover
- Financial Protection: In case of an accident, the policyholder can receive a lump sum amount that can help cover expenses for medical treatment, rehabilitation, and other related costs.
- Death Benefit: In case of death due to an accident, the nominee of the policyholder can receive a fixed amount as compensation.
- Permanent Disability Benefit: In case of permanent disability, the policyholder can receive a fixed amount as compensation that can help with long-term financial planning.
How to Choose the Right Personal Accident Cover
- Sum Insured: The sum insured for Personal Accident Cover should be chosen based on your financial needs and the type of two-wheeler you own.
- Policy Duration: The policy duration for Personal Accident Cover should align with the validity of your two-wheeler insurance policy.
- Co-Payment: Some insurance providers offer a co-payment option, which reduces the premium amount but also reduces the sum insured. It is essential to understand the terms and conditions of this option before choosing it.
Eligibility for Personal Accident Cover
- Two-Wheeler Insurance policyholders with a valid policy can opt for Personal Accident Cover as an add-on.
- The policyholder must be the rider of the two-wheeler, and the coverage is only valid while riding the vehicle.
- The policyholder must be between the age of 18 and 75 years.
Exclusions of Personal Accident Cover
Personal Accident Cover does not provide coverage for accidents resulting from:
- Intentional self-harm or suicide
- Alcohol or drug abuse
- Participation in criminal activities
- War or nuclear perils
Conclusion
Personal Accident Cover is a valuable add-on in Two-Wheeler Insurance policy that provides financial protection in case of an accident. This coverage offers peace of mind to riders and their families, as it provides a fixed amount of compensation in case of death, permanent disability, or temporary disability due to an accident. Opting for this coverage can help cover expenses for medical treatment, rehabilitation, and other related costs, making it a wise investment for two-wheeler riders.”