Personal Accident Insurance
Personal accident Insurance provides cover against unforeseen events such as accidents causing bodily injury, permanent or partial disability and accidental death. This policy provides financial assistance and or benefit to you or your family members, if you’re injured in an accident during the course of your workday.
Sickness Cover
Sickness cover provides financial protection for medical conditions that impact your ability to work. It offers support through medical expense coverage, potential income replacement, and assistance during recovery periods. This component extends beyond accidental injuries to help individuals manage unexpected health challenges.
Accident Cover
The accident cover forms the core of the insurance, providing comprehensive protection against physical injuries. It contains medical treatment costs, hospitalization expenses, and emergency medical support for accidents occurring during work or personal activities. The coverage ensures financial support across various accident scenarios.
Temporary and/or Total Disability
This cover addresses financial protection when accidents result in disability. It provides income support for both temporary and permanent disability scenarios, offering compensation based on the severity and duration of the disability. The policy helps maintain financial stability during challenging periods of reduced working capacity.
Various Waiting Periods
Waiting periods are specific timeframes that define the initial conditions of insurance coverage. These periods outline when full policy benefits become active and establish guidelines for claim eligibility. They serve as a risk management mechanism for the insurer and the policyholder.
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Who should consider Personal Accident Insurance?
Personal Accident Insurance is ideal for professionals in high-risk occupations, individuals with significant financial responsibilities, and those seeking comprehensive protection beyond standard health insurance. It provides an additional layer of financial security against unexpected life events.
What types of accidents are typically covered?
The policy typically covers workplace incidents, road traffic accidents, injuries during recreational activities, accidents at home, and sports-related injuries. Each policy has specific terms, so it’s important to review the exact coverage details with the insurance provider.
How are disability benefits calculated?
Disability benefits are calculated by assessing the severity of the disability, determining the percentage of impairment, and applying pre-defined compensation structures. The calculation considers medical assessments, impact on working capacity, and specific policy terms.
Can I claim health and personal accident insurance for the same incident?
Insurance claims can typically be coordinated across different policies. Each insurance type serves a unique purpose, and policyholders may be able to claim benefits from multiple sources. However, the exact process depends on specific policy terms and requires consultation with insurance providers.
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Why work with Knightsbridge Insurance Group?
Knightsbridge Insurance Group is an Insurance Broking Business with over 70 years of collective insurance experience and is founded on generational values that make you feel secure, protected and cared for. As we grow and expand the Knightsbridge Family, we continue to have a deep understanding of your desire to innovate and be extraordinary — both in business and in life.
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Personal accident Insurance provides cover against unforeseen events such as accidents causing bodily injury, permanent or partial disability and accidental death. This policy provides financial…