Personal accident insurance is essential coverage to protect people in the event of bodily injury occurring as a result of an accident, whether in daily life or while traveling. Unlike other insurances, this guarantee covers medical expenses, permanent disability, or even compensation in the event of death, regardless of the responsibility for the accident.
1. What is personal accident insurance?
Personal accident insurance , sometimes called " life accidents ", covers the costs related to an accident, whether it occurs at home, at work or during sports or leisure activities. It covers both domestic accidents and those related to transport or third parties.
Risks covered by individual accident insurance:
- Domestic accidents (falls, burns, etc.).
- Road or transport-related accidents.
- Sports or leisure accidents.
2. The guarantees offered by individual accident insurance
This insurance offers several guarantees to ensure optimal support in the event of a claim:
Medical and hospitalization expenses
It covers medical expenses incurred by the accident, including consultations, care, and hospitalization necessary for recovery.
Disability compensation
In the event of partial or total disability, an annuity or compensation is paid to compensate for the loss of income and the costs associated with adapting your home or your daily life.
Payment of a lump sum in the event of death
In the event of death following an accident, a lump sum is paid to relatives to ensure their financial support, including funeral expenses.
3. Why take out personal accident insurance?
Taking out this insurance is essential for several reasons:
- Financially protect your family : In the event of disability or death, insurance helps compensate for loss of income.
- Supplement other insurance : It intervenes where other insurance (civil liability, compulsory insurance) does not cover accidents not linked to the liability of a third party.
- Worldwide coverage : This insurance offers protection even when traveling abroad, ensuring peace of mind no matter where the insured is.
4. Who is individual accident insurance for?
This insurance is intended for anyone wishing to protect themselves against the risks of everyday life. It is particularly useful for:
- Families with children : Domestic accidents are common among young children.
- People involved in risky activities : Sports enthusiasts or those working in risky environments.
Conclusion
Personal accident insurance is an essential solution to ensure your financial security and that of your loved ones in the face of life's uncertainties. In addition to other insurance policies, it guarantees you full coverage of costs related to an accident.
Contact KT Assur&Bank today to get a personalized quote and secure your future with suitable protection.