Personal accident cover is a type of insurance policy that provides financial protection to individuals and their families in the event of accidental injuries, disabilities, or death. This type of insurance is designed to provide financial assistance to policyholders and their beneficiaries to cover medical expenses, loss of income, and other expenses resulting from accidents.-Check example policy https://www.ira.go.ke/index.php/standardized-insurance-policies-non-motor?download=186:standardized-personal-accident-insurance-policy

Here are some key features of personal accident cover:

1. Accidental Death Benefit: Personal accident insurance typically provides a lump sum payment to the policyholder’s beneficiaries in the event of the insured’s death due to an accident. This benefit helps provide financial support to the insured’s family during a difficult time.
2. Permanent Total Disability Benefit: If the insured becomes permanently and totally disabled as a result of an accident, personal accident insurance may provide a lump sum payment to help cover ongoing living expenses, medical costs, and rehabilitation expenses.
3. Permanent Partial Disability Benefit: In the event of permanent partial disability caused by an accident, personal accident insurance may provide a partial benefit payment based on the severity of the disability as determined by the insurer.
4. Temporary Total Disability Benefit: If the insured is temporarily unable to work due to accident-related injuries, personal accident insurance may provide a weekly or monthly benefit payment to help cover lost income during the recovery period.
5. Medical Expense Reimbursement: Personal accident insurance typically covers medical expenses incurred as a result of accident-related injuries, including hospitalization, surgery, doctor visits, prescription medications, and rehabilitative therapies.
6. Additional Benefits: Depending on the policy and insurer, personal accident cover may include additional benefits such as coverage for ambulance services, funeral expenses, emergency dental treatment, and transportation expenses for family members to visit the insured in the hospital.
7. 24/7 Coverage: Personal accident insurance provides coverage around the clock, whether the insured is at home, at work, or traveling anywhere in the world. Accidents can happen anytime, and personal accident cover ensures that policyholders are protected at all times.

It’s important to carefully review the terms and conditions of a personal accident insurance policy to understand the coverage limits, exclusions, and claim procedures. Additionally, consider your individual needs, occupation, lifestyle, and financial circumstances when selecting a personal accident insurance policy to ensure that you have adequate coverage in the event of an accident. Click the link to contact us https://upandgoinsuranceagency.com/contact/