MyInsuranceClub > Ask an Expert > Recently answer queries on Personal Accident Category

Ask an Expert - Your Personal Insurance Advisor

To get your answers please login

Ask any question - Our Insurance Adviser will help
Get insurance help on Life, Health & Car Insurance
Your insurance queries will be attended to - Fast & Free!

my insurance club Promise
Every Question will be Answered within 24 hours (Monday to Friday)!

Recently answer queries on Personal Accident

I (Mr S.Bhattacharjee) of age 39 yrs like to buy a personal accident policy.Can you suggest me which is best policy in the market presently.

Personal accident insurance refers to an insurance which offers compensation in case of death, bodily injuries, total/ partial disability or dismemberment resulting from an accident caused by violent, visible and external means. Some personal accident policies that you may consider are:

Tata AIG... Read More>>

Asked By: sanjoy bhattacharjee
On: 9th Jan 2012
Answered Within: 12 Hours

I am on sickness and accident insurance and have been since 11/10/2011 and there was a 30day accrual wait. I have received one payment. I am an incomplete tetraplegic and can no longer sit at a desk for 7.5 hours a day but do have the opportunity to work from home for my employer as a contractor...

The coverage varies from policy to policy when it comes to accident insurance plans. We will need to review your policy terms and conditions to understand the benefits you can avail. So please provide the details in the space provided below this answer -

1. Name of the Insurance Company

2. Policy NameRead More>>

Asked By: Chris
On: 19th Dec 2011
Answered Within: 11 Hours

I am 40 year old working as an I.T professional. Monthly take home is ~1.1 lakh. I want to know what is the maximum 'Sum Insured' available for Personal Accident policies.

The maximum Sum Assured for a personal accident plan depends on the underwriters of the Insurance Company where you apply for insurance coverage and it not only depends on your age and salary but also your health, liability, lifestyle, habits and other parameters which are considered to arrive at a... Read More>>

Asked By: Somnath Mukherjee
On: 13th Dec 2011
Answered Within: 1 Days

I want to know about personal accident insurance policy? I already have a mediclaim policy and employer provided health insurance policy as well. Do i still need to take a personal accident insurance policy. I am the only earning member and my parents are dependent on me so pls suggest the correct...

You can avail a separate Personal Accident Plan which provides special benefit for accidental injuries and hospitalisation like National Insurance Personal Accident Plan, New India Assurance Personal Accident Plan, Oriental Insurance Personal Accident Plan, etc.

You can also take a Health Insurance... Read More>>

Asked By: Sanjay Juneja
On: 1st Aug 2011
Answered Within: 7 Hours

I am very worried because of the mumbai blasts as i travel to zaveri bazaar by trains everyday. Is there a terror insurance policy or any life insurance policy that covers terrorist acts and injuries or death caused by it? I want to buy such a policy

Terrorism Insurance is insurance purchased by shop or property owners who would like to cover their risk of potential losses and liabilities that might occur due to terrorist activities. Hence it does not cover the risk of one's life or safeguard his family from the accident that occured.

For that,... Read More>>

Asked By: Mr Gangadia
On: 15th Jul 2011
Answered Within: 1 Days

What is a PERSONAL ACCIDENT INSURANCE POLICY ? I have a LIFE INSURANCE POLICY but i am not able to understand what is the need for an accident insurance? cant it be covered under my life insurance policy by LIC

A personal accident policy is a special medical insurance policy that covers the cost of treatment in case a person meets with an accident and needs treatment. The usual health insurance policy (commonly known as mediclaim insurance) used to offer a cover ranging from 1 to 7 lacs. But this coverage... Read More>>

Asked By: Dinesh
On: 8th Jul 2011
Answered Within: 6 Hours

I am looking for personal accident insurance please call me back at 8xxxxx5000.

Personal accident insurance plans have started gaining popularity in today’s world because of the uncertainty in people’s lives. Personal Accident coverage can be taken as an additional option along with Life Insurance policy or can be taken independently from a Health Insurance company.

National... Read More>>

Asked By: Mallikarjun Johaldadgi
On: 17th Jun 2011
Answered Within: 2 Days

I want accident policy which covers hospitalisation and daily cash for injury

Tata AIG Individual Accident and Sickness Hospital Cash policy would a perfect answer to your requirements. It has Sickness Hospital Cash Benefit which takes care of hospitalization expenses due to sickness upto Rs. 5000 per day and also Accidental Hospital Cash. Thus, you can also opt for accident... Read More>>

Asked By: D K BHATT
On: 10th May 2011
Answered Within: 3 Hours

Dear sir, I am 57years old. I was offered by Tata AIG an insurance of 25 lakhs of cover for accident & sickness hospitalisation cash plan and the premium offered to me was Rs. 6800 over the phone but they did not send me any brochure or terms and conditions so we can buy this policy.How can i be...

You should definitely ask for the brochure and check the details of the plan before you purchase the same. If the brochure states the same as the representative then you can be rest assured that it is true.

However, if you know the name of the plan which you have been offered then you can mention... Read More>>

Asked By: devkumar vasoo
On: 18th Apr 2011
Answered Within: 1 Hour

HI, I NEED A PERSONAL ACCIDENT INSURANCE OF ATLEAST 5 LACS WHERE I GET FULL INSURANCE. LIKE IF I GET FRACTURED IN ACCIDENT THEN I SHUD GET RS 5000 PER WEEK AS COMPENSATION FOR THE PERIOD I AM STAYING AT HOME PLUS I SHUD ALSO GET A PERCENTAGE OF THE AMT I USE WHILE TAKING MEDICINE. SUGGEST GOOD...

Most of the general (non-life) insurance companies today offer a good accident insurance plan in addition to their health insurance / mediclaim policy. Personal Accident Insurance plans are priced very low and usually are issued instantly without any medical check up at the time of application.

The... Read More>>

Asked By: RAJENDER MOHAN
On: 24th Mar 2011
Answered Within: 18 Hours

« Previous Entries

Visitors Response to our Answers

Liked	:	31%
Not Liked	:	2%
No Reply	:	67%
Total Questions Answered: 1224
The responses are from people who have asked questions.


User ID^*	Password^*

We are not storing any thirdparty password here!