Top Reasons To Buy A Separate Personal Accident Insurance Policy

blog
May 7, 2025
expertexpertexpert

So, you have a comprehensive health insurance policy that offers wide coverage against unforeseen events, including particular accidents. Yet, did you know that accident coverage in health insurance comes with limitations? Ultimate health insurance programs cover charges related to accidental hospitalisation of the policyholder. On the other hand, a particular accident insurance policy offers wide coverage to the insured and eases internal and fiscal stress during similar unforeseen events. Whereas a few health insurance companies offer specific accident insurance as an add-on cover, others have it as an isolated arrangement. Let’s talk about health insurance and accident insurance in detail.

What is Health Insurance?

A healthcare policy is an insurance product that covers the medical charges of the insured. However, it will cover your sanitarium bills, pre- and post-hospitalisation charges, AYUSH treatment, hospitalisation, and more if you opt for a comprehensive healthcare plan. Coverage generally starts after the original waiting period of 30 days. Accidental hospitalisation is covered from the beginning, i.e. the inception date of the policy.

What is Covered Under Personal Accident Insurance Cover?

A personal accident insurance policy is a comprehensive insurance that protects against medical charges caused by accidents. Keeping the insured as well as their family in mind, insurance providers have come up with this policy. The policy may cover the following -

Hospital Bills of the Insured

If the policyholder meets with an accident, the insurance provider will cover their hospital bills up to the sum insured.

Accidental Death of the Insured

The insurance company provides the complete sum that is insured to the policyholder’s family.

Permanent Disability of the Insured in an Accident

The insurance company offers benefits based on the sum insured of the particular accident cover if the insured meets with a major accident that leads to permanent disability.

Burns or Broken Bones Due to an Accident

The insurer will compensate the insured if an accident results in breaks or broken bones. The compensation or benefit will depend on the policy’s sum insured.

Road Ambulance Charges

Personal accident insurance policy also covers the road ambulance bills of the policyholder.

Benefits of a Personal Accident Insurance Policy

1. It Offers an Accidental Death Cover

The primary benefit of a separate personal accident insurance policy is the death cover it offers. In case the policyholder, unfortunately, passes away due to an accident, a personal accident policy offers a lump sum assured to the family or the heirs of the departed person. This can palliate a huge fiscal burden.

2. It Comes in Handy in Case of Permanent Disability

You know that these insurance plans offer a death cover. But not all accidents result in death. Occasionally, victims may be paralysed or suffer other disabilities that may prevent them from leading regular lives. In similar cases of permanent disabilities, depending on the inflexibility of the case, personal accident insurance offers a decided lump sum.

3. It is Also Useful in the Case of Temporary Total Disability

An accident insurance plan not only takes care of permanent disabilities but also can take care of temporary disabilities. In case of temporary disabilities, there may be a loss of income for many months in case the policyholder is unable to head out to work. In similar situations, a personal accident policy helps compensate for this temporary income loss.

4. It makes it Possible to Meet Family Transportation Expenses

Following an accident, the victim may not always be rehabilitated in a place close to home. Depending on where the accident occurred, hospitalisation may occur in another city or state. At similar times, the family of the victim may need to travel to the place of hospitalisation. These costs can frequently be steep, depending on the distance. A critical illness insurance can help meet these charges.


5. It Enables Home or Vehicle Alteration

Permanent or temporary disabilities may require you to alter your home or your vehicle so it can accommodate your new conditions. Depending on the kind of acclimations needed, the costs may be significant and naturally, unanticipated. Some personal accident insurance plans have a personal accident insurance cover that offers the policyholder a cover that takes care of these charges as well.

6. It Helps Meet Medical Costs

Accidents that affect disabilities, whether temporary or permanent and whether partial or total, will be followed by medical costs associated with treatments and care for the victim. Given the rate of affliction and rising hospitalisation charges, it helps to have a particular accident insurance plan in place, because it covers these costs.

7. It Allows Your Family to Meet Their Life Goals

In case of accidental death or disability that results in the loss of the primary source of income for a family, meeting life expectations as per the original timeline may become delicate, if not impossible. But with the sum assured by a particular accident policy, the family of the policyholder need not put their plans on hold and can meet all the essential life expenses as planned.

8. Your Children’s Education Can Remain on Track

Following a disability or death related to an accident, it can be hard for the survivor or the victim’s family to meet significant expenses like the costs of educating the children. This is indeed nay if the victim was the primary or the sole breadwinner for the family. But with the lump sum or the periodic benefits of a particular accident insurance plan, the education of children in the family can remain on track.

9. It Can Take Care of Your Children’s Wedding Expenses

A particular accident insurance plan can also help meet another significant set of charges in the lives of the children of accident victims – the costs associated with their marriages. The benefits can prove to be useful to meet this corner indeed if the policyholder’s earning capability is negatively affected by the accident.

10. It Helps Take Care of Your Dependent Parents

Personal accident plans can also help meet the costs of taking care of dependent members in the family, be it aged parents, children, or partners who have no source of income of their own. This can help sustain their quality of life despite untoward passing, like an unanticipated accident.

Conclusion

Understanding the distinctions between health insurance and personal accident insurance can help you make an informed decision. Each serves unique purposes, ensuring you have comprehensive coverage for various unforeseen events.

Recent Blogs

Health Insurance

6 Healthy Habits For Families

The key to long-term health is to get the entire family involved. Right from making healthy food choices to leading an active lifestyle – incorporating healthy habits in your daily lifestyle can be simple and practical when everyone in the family is working towards the same health goals.

Over here we discuss 6 healthy habits for families. You can add these habits into your daily routine to ensure your family’s good health.

6 Healthy Habits for Families

  1. Eating a healthy diet, together as a family

    The easiest of all family eating habits to cultivate is eating together. In today’s hectic world, eating together may be a challenge, but it’s worth making the efforts. There are several benefits of eating together. Eating together will help everyone in your family stick to scheduled meal times. Combine this habit with a healthy diet. Make a variety of healthy food choices, preferably food made at home so that family members, especially children do not look for junk food.

  2. Make meal prep a fun activity

    For family health benefits, it is essential to lead by example.Make healthy food choices so that your children can follow suit. A great way to promote healthy eating habits is to invite your children to be part of the cooking process. Help them choose the recipe and shop the ingredients. This will go a long way in inculcating healthy food choices in children.

  3. Have no-phone zones

    Apart from instilling good and healthy family habits and practices with regards to meals, it helps to turn meal hours into exclusive family hours with no interruptions. Having no phone zones at the dinner table and in the bedroom can encourage your family members to get moving and spend less time sitting. Encourage your kids to play outside. Planning fun activities like play board games and treasure hunts with your children can prove to be highly rewarding.

  4. Be more active as a family

    Staying active as a family doesn’t have to be boring! You can let every family member choose one activity for every week. From taking strolls to doing yoga together, from biking to swimming, many fun-filled activities can help you and your family burn some calories, relieve stress, while forming healthy family habits and practices.

  5. Practice hand hygiene

    As a family, make sure everyone follows hand hygiene. Wash hands after going to the restroom, before preparing food, after touching a pet, changing a diaper, blowing your nose, coughing, or handling garbage. You can also make a 20-second song so that children thoroughly wash their hands.

  6. Do not skip medical tests

    The importance of keeping track of your health cannot be emphasised enough. By undergoing regular medical check-ups you can help your family make informed health care decisions. It can help you catch health problems in the early stages and make lifestyle changes accordingly. Do include dental and eye checkup for yourself and your children in the annual medical checkup. To reap family health benefits, it’s important to take the right precautions, at the right time and make the right changes to avoid the most common health illnesses

Why is family insurance a must?

Illnesses don’t come knocking on the door. So, it only makes sense to have a backup plan in case you or your family member falls sick or needs hospitalisation in case of an accident or a health condition. With medical expenses skyrocketing, a health insurance policy is the best protection cover for a family. A comprehensive health insurance plan will give you that peace of mind regarding your family’s health and your financial well-being.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.

Health Insurance

10 Worst Diseases That Smoking Can Cause

Smoking causes diseases but it is one of the most preventable causes of death worldwide. Every puff of a cigarette exposes the body to many harmful chemicals which can cause serious health problems. As awareness of these risks increases, so does the importance of having a reliable health insurance plan to help manage the financial burdens associated with these diseases.

Health Insurance

12 Foods With More Vitamin C Than Oranges

Vitamin C, also known as ascorbic acid, is an essential nutrient that plays a vital role in maintaining overall health. It is a powerful antioxidant that helps protect cells from damage caused by free radicals. Additionally, vitamin C is crucial for the growth, development, and repair of all body tissues. It aids in the formation of collagen, absorption of iron, and the proper functioning of the immune system.

Health Insurance

20 Foods High in Vitamin A: A Guide to Boosting Health Through Diet

Vitamin A is a vital nutrient that plays a key role in maintaining overall health, supporting vision, immune function, skin health, and more. As a fat-soluble vitamin, vitamin A exists in two main forms: retinoids (found in animal products) and carotenoids (found in plant-based foods). Retinoids are readily usable by the body, while carotenoids must be converted into the active form of vitamin A.

Given its essential functions, maintaining adequate vitamin A levels is crucial for both adults and children. A deficiency in vitamin A can lead to significant health problems, underscoring the importance of including vitamin A-rich foods in one’s diet. This article explores the various sources of vitamin A, recommended intake, health benefits, and how to prevent deficiency.

What is Vitamin A?

Vitamin A is essential for several physiological processes. It is found in animal-based foods such as retinol and in plant-based foods as beta-carotene, which the body converts to vitamin A. Recommended daily intake levels differ based on age and gender. Adult men require approximately 900 micrograms (mcg) of vitamin A daily, while adult women need about 700 mcg. Pregnant and breastfeeding women generally require higher amounts to support foetal and infant development.

Role of Vitamin A in Health

Vitamin A is associated with various health benefits, from antioxidant protection to immunity. Below are some of its primary roles:

1. Antioxidant Protection: As an antioxidant, vitamin A helps prevent cellular damage from free radicals, which can lead to chronic diseases and ageing.

2. Immunity: Vitamin A is crucial for maintaining immune function, and enhancing the body’s response to infections.

3. Eye Health: Known for promoting good vision, vitamin A helps prevent night blindness and age-related vision problems.

4. Skin Health: Vitamin A supports skin health by promoting cell growth, reducing wrinkles, and addressing acne concerns.

5. Organ Functioning: It aids in the proper functioning of the heart, lungs, and kidneys.

6. Reproductive Health: Vitamin A plays a role in reproductive health and foetal development, making it essential for pregnant women.

7. Foetal Development: It is critical for foetal tissue and organ development during pregnancy.

8. Teeth and Gums: It contributes to healthy teeth and gums, supporting oral health.

Also Read: 6 Key Pregnancy Care Tips You Should Know

Animal Foods High in Vitamin A

Animal-based foods are an excellent source of preformed vitamin A, which is easily absorbed by the body. Here is a vitamin A foods chart showcasing some common animal-based vitamin A sources.

Name Particulars
Liver (beef, lamb, chicken) Extremely rich in vitamin A; 100 grams provide more than 6 times the daily requirement
Cod Liver Oil A tablespoon provides up to 4,500 mcg of vitamin A
Dairy Products (Milk, Cheese, Butter) Source of vitamin A in moderate amounts, especially whole milk products
Eggs Egg yolks contain around 140 mcg per 100 gms
Fish Fatty fish is a good source of vitamin A, particularly retinol.
Shellfish Provides moderate amounts of vitamin A, along with other essential nutrients.

Vegetables High in Vitamin A

Vegetables, particularly those that are orange, yellow, or dark green, are rich in carotenoids, which the body can convert to vitamin A. Here is a chart listing vegetables that are vitamin A high foods.

Name Particulars
Sweet Potato Contains around 1400 mcg per medium potato, providing well over the daily recommended intake
Carrot A single large carrot offers about 1,000 mcg of vitamin A.
Spinach Once cup cooked provides approx. 943 mcg
Kale A cup cooked provides approximately 943 mcg
Red Bell Pepper Provides about 140 mcg per 100 grams
Butternut Squash Offers around 1,000 mcg per cup
Collard Greens Contains 770 mcg per cooked cup
Swiss Chard A good source, with 300 mcg per cup.

Also Read: Sources of Vitamin D for Vegetarians

Fruits High in Vitamin A

Certain fruits, especially those with orange or yellow pigmentation, are rich in beta-carotene and contribute to daily vitamin A intake.

Name Particulars
Mango Contains about 54 mcg of vitamin A per 100 gms.
Cantaloupe A cup of diced cantaloupe provides 270 mcg.
Papaya Offers around 47 mcg per 100 gms.
Apricots Dried apricots are rich in vitamin A, with 96 mcg per fruit.
Guava Contains about 31 mcg per 100 gms.
Watermelon A cup of watermelon offers around 43 mcg.

Signs of Vitamin A Deficiency and Toxicity

Vitamin A deficiency is relatively common and can lead to symptoms like night blindness, dry skin, poor immune response, and growth delays in children. Severe vitamin A deficiency can cause complete blindness and increase the risk of infections. Here are a few signs and symptoms of vitamin A deficiency:-

1) Irregular white deposits in eyes

2) Delayed Growth (in children)

3) Infertility

4) Infections

5) Night Blindness

6) Lack of quick healing of wounds

If these signs are observed it is recommended to take the required tests and get medications from a doctor.

On the other hand, excess vitamin A, primarily from supplements, can lead to toxicity. Symptoms include dizziness, nausea, and even liver damage in severe cases. It’s essential to balance vitamin A intake and avoid excessive supplementation.

Conclusion

Vitamin A is essential for overall health, supporting skin, vision, immune function, and reproductive health. By incorporating a variety of vitamin A sources—such as liver, dairy, carrots, and leafy greens—one can easily meet daily requirements and enjoy a balanced diet. To safeguard long-term health, consider monitoring your diet and explore a health insurance policy that promotes regular health check-ups and preventive care.

Frequently Asked Questions

1) How can I increase my vitamin A?

To boost vitamin A intake, incorporate foods rich in both retinoids (from animal products) and carotenoids (from plants) into your diet. Add liver, dairy, carrots, and leafy greens to your meals regularly.

2) How do you increase vitamin A absorption?

Since vitamin A is fat-soluble, pairing it with healthy fats (such as olive oil or avocado) can enhance absorption. This helps the body more effectively utilise the nutrient.

3) What are the symptoms of low vitamin A?

Signs of vitamin A deficiency include night blindness, dry skin, increased risk of infections, and, in severe cases, complete blindness. Other symptoms may include delayed growth in children and poor wound healing.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.