Personal accident insurance is an agreement between the insurance company and the person insured where the former will provide financial compensation to the latter or his/her family in case of permanent disability/death caused directly and only due to any accident. You will find an accident insurance policy from several insurance companies in the country. In case there is an injury due to an accident that requires immediate treatment, the policy will ensure coverage for the costs in this case. These reimbursement amounts are very useful in such situations. Several policies have risk coverage against accidental death of the person insured. There is coverage for disability caused by an accident. These plans are often available as add-ons with home or car insurance policies.
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