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The increase in rate of accidents while travelling by road, rail or air makes it imperative that you insure yourself against such mishaps. A Personal Accident Health Insurance policy will cover up for losses resulting from accidents which may occur anytime. 
Life is full of uncertainties. It is comprised of several instances that can come as a surprise. These episodes can be positive or negative. So, it is better to be prepared for all such instances in life. We cannot judge them in advance but can of course prepare ourselves. In the like manner, insurance is one way to get ourselves prepared for health related risks. By getting insured, it becomes easy to deal with specific challenge. 
Health insurance coverage can be of various types. It would be a mistake if you consider all health insurance policies as same. As illnesses differ from each other, policies also vary in the kind of coverage offered. They will vary on the grounds of features like coverage limit, waiting period, premium, maximum entry age, benefits, value added services, exclusions, copayments, deductibles and other related terms and conditions. Thus, it is wisely advised to go through all the related details. They all must be studied so as to develop clear understanding. All the covered and uncovered benefits must be clear in mind before you make payment for any plan. 
Accident insurance is one among several health insurance types. This kind of coverage offers insurance coverage against accidental risks of life. If and when met with an accident, the insured can seek treatment to recover from the accidental injuries caused. He/ she need not shed money out of personal savings. The policy will share the burden and will assist in acquiring the required treatment with an assurance of best quality. Buying a personal accident health insurance policy can resolve the healthcare worries.
Besides providing financial coverage, the policy also entitles the insured to other related benefits. For instance, Individual Personal Accident Health plan offered by HDFC Ergo Health Insurance Ltd. (formerly Apollo Munich Health Insurance) is comprised of long list of benefits. The benefits it offers are:
  • Get a lump sum payment in the event of death due to accident.
  • In case of accidental death or total/partial disability arising from an accident, get 50% of sum insured per dependent child (maximum of two children) for his/her education.
  • Under accidental death or partial/total disablement claim, get reimbursement of expenses incurred in transporting one immediate family member to the hospital.
  • Get a weekly allowance in case of total or partial disability resulting from an accident
  • Get your medical expenses reimbursed for in-patient treatment in a hospital.
  • Get a lump sum payment in the event of fracture of bone due to accident as per the scale.
  • The premium to be paid for this policy will be based on occupation. In addition to this, there are other benefits that the policy includes, like
  • 10% discount for two or more members covered 
  • Cumulative discount of 5% for every claim - free year up to 50% of the accidental death sum insured.
Thus, the policy is equipped of all the comprehensive features to make healthcare coverage complete for buyers. It offers adequate coverage at reasonable price. Bodily injuries caused due to an accident require appropriate treatment. The policy ensures timely delivery of the required services so as to make sure that the insured can take good care of personal wellbeing. 
Taking a view of healthcare needs of people, HDFC Ergo Health (formerly Apollo Munich) has formulated such plans to uncomplicate healthcare for all. It makes quality healthcare feasible for all. HDFC Ergo Health Insurance Ltd. (formerly Apollo Munich Health Insurance)  offers you the Individual Personal Accident Health Insurance Policy. 
By purchasing this plan, you can save yourself and your family the financial hardships that unforeseen accidents entail. It covers the insured member or his/her family member (includes spouse and dependent parents and children) and comes in a package with benefits like family transportation, transport of imported medicines, purchase of blood, modification of residence and vehicle. HDFC Ergo Health (formerly Apollo Munich) will be your friend in such times of crisis.
This policy can be issued for a period of one year and covers people of age group of 5 years to 70 years. A child below 5 years can be covered by the Personal Accident Insurance Policy from the 91st day of birth, provided both parents are insured. Thus, besides offering securing you against accidental risks of life, this plan also ensure support to the dependent members. 
At HDFC Ergo Health (formerly Apollo Munich), the team of experts works with a mindset of truly uncomplicating health insurance for people. Working with this motive, it works with customer centric approach. 
Understanding the needs and concerns of people, policies are designed to suit their needs. All its plans, come with a promise of great customer service, easy claim settlement, renewal provision and simple policy wordings. So, it even makes policy understanding easy and hassle free. 
Avail health insurance coverage against accidental risks and seek uninterrupted healthcare services. 
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