Life is full of uncertainties. You never know what life has planned for in the very next moment. In such conditions, one should never take things for granted - not even life. This goes without for people settled in metro cities and happen to be the only breadwinners in their family.
Metro cities are crowded and filled with ruthless people - giving no damn about anyone else apart from themselves. They won’t even care if they have to run over their car on you to reach their destination early. In short, events causing permanent disability or death such as road accident etc. are very common these days. You might be fit enough today to earn bread and butter for your family today, but whether you’ll be able to do so tomorrow as well is still not known. In such circumstances, it is better to take proper precautions.
While you may not be able to prevent an accident, you can always cover for expenses incurred due to disability, which may lead to your inability to earn and can also hamper the interest of your family members, with a personal accident insurance.
A personal accident cover offered by personal insurance provides the insured with following benefits:-
- Accidental death benefit
- Cover against a disability
- Permanent disability benefit
- Daily hospital allowance along with hospitalisation expenses
Bottom line: Remember to check out the different personal insurance policies available in India to ensure what you're choosing is the best for you. Also, it is essential for you to plan your insurance properly. You can use several personal accident premium calculators available online to gauge the premiums payable.
Read Also: Why Should You Have a Personal Accident Cover?
