Understanding Accidental Insurance Plans in Detail

Certain mis-happenings in life are not under our control. People can be a victim of horrible accidents despite extreme care. In the eventuality of such circumstances, people must have access to the best medical treatment. Thus, one must be aware of the best accidental insurance plans. Any health insurance plan can give financial and medical aid. However, they cannot sustain one through a period of continuous hospitalization. Also, if the accident causes the earning member to become disabled, then financial distress seeps in. This is why accidental insurance plans stand out and can assist you during testing times.

Let us go over a few points to understand the vital need of accidental insurance coverage.


The best accidental insurances come with policies that can sustain families in their worst times. It enables to cope with economic instability upon someone’s demise or dismemberment following an accident. The following kinds of financial coverage are given under the best accidental insurance plans.

ACCIDENTAL DEATH: Upon an accident that causes the death of the insured person, the family is entitled to financial compensation. The nominee will get 100% of the total sum insured, as covered under their policy.

PERMANENT PARTIAL DISABILITY: This is considered when the insured person becomes partially disabled. This includes loss of speech, sight or the limbs. A wholesome amount is given to the policyholder, all at once. Or else, one can claim the amount gradually to recover medicinal costs and economic losses.

PERMANENT TOTAL DISABILITY: This happens when a person is unable to resume their normal life post-accident. The disability or dismemberment is permanent and beyond cure even after all treatments. The disabled member should be observed for 12 months in case of signs of improvement. Upon no change, the nominee can claim the entire assured amount in such cases.

TEMPORARY TOTAL DISABILITY: Sometimes the individual can become impaired for a given period of time. The best accidental insurance policy can provide weekly or monthly coverage in such a case. The compensation given is dependent upon the critical nature of impairment.


There are various advantages of opting for the best accidental insurance plan. One can deal with the mounting hospital bills and indeterminate nature of accidents through this.

Accidents in a family take a toll on everybody’s emotional situation. However, the best accidental insurances can support you in the best possible way. The benefits of the insurance plan are listed below briefly:

• Financial and emotional security

• No requirement of documentation as it is treated with emergency

• Optimum coverage at low premiums

• Can be availed worldwide

• Ease in process of claiming

• Provision of coverage for legal and funeral expenses

• Customized coverage benefits

Purchasing the best accidental insurance is like investing in your peace of mind. Plans are available for both individual and the group i.e. families. Group accident insurance compensates financially for the loss of an earning member of the family. Demise and disability are the worst consequences of severe accidents. Thus, having an accidental insurance plan can save us from financial and economic distress. So, make the prudent choice and get hold of one today.


ManipalCigna Health Insurance Company Ltd (Formerly known as CignaTTK Health Insurance Company Limited) | CIN U66000MH2012PLC227948 | IRDAI Reg. No. 151 
Reg. Office: 401/402, 4th Floor, Raheja Titanium, off. Western Express Highway, Goregaon (East), Mumbai- 400 063 | Toll free number – 1800-102-4462 | Website address –
Trade Name / Trade Logo belongs to MEMG International India Private Limited and Cigna Intellectual Property Inc. and is being used by ManipalCigna Health Insurance Company Limited under license. For more details on risk factors, terms and conditions, please read the sales brochure/ sales document available on our website (Download section) before concluding a sale.

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