Accident Insurance | Insurance
There are many types of insurance like Accident insurance, such insurance is independent of others; but it can be included as additional collateral other insurance (liability, household, car …).
Accident insurance covers risks relating to the insured when its source is an accident causing bodily injury might be by violent, sudden, external and beyond the control of the insured that causes temporary or permanent disability or death cause.
Every day we are exposed to the possibility of having an accident that can completely change the course of our lives. It is vital to properly protect our welfare and that of our family.
Therefore, accident insurance aims to provide compensation in the event an accident is resulting in death or bodily injury resulting from a violent or sudden cause unintended causing temporary disability occurs. You can even meet (and often covers) the provision of health care.
As we always say in the Best World Insurance it is highly recommended to have the opinion and advice from a specialist in insurance; either an insurance company or mediator. Each company has a hedging or other.
Criteria and Accident Insurance coverage:
There are several determining factors in the accident insurance. We say again that each company has its exclusions. Even this insurance can be “tailored” as long as the insured and insurer agree or mediator. The factors would be these:
• Occupation of Insured. You say that not all work activities are covered. It depends on what we can choose to work on or not.
• The health of the Insured. Logically is not insurance nor is it for profit. Nor is it an NGO. If the insured is a disease you cannot benefit from this insurance in case something happens to that disease. Including, for example, in some companies the inputs is not covered either by whatever cause.
. • The age of the Insured I think that little need is said at this point; but it is not the same assure a person aged 22 to 57, for example.
These points will be relevant to the acceptance or accident insurance premium.
Although it depends on the company will not be insured people under 14 and over 65 years (unless expressly agreed otherwise). Nor Impaired from Absolute and permanently for the development of any professional or business activity. They will be in the same situation affected by insanity, paralysis, stroke, epilepsy, alcoholism, drug addiction, spinal cord diseases, encephalitis, complete deafness, blindness or high myopia.
Accident Insurance coverage
The accident insurance of some of the insurance company should ensure the compensation of the insured capital to the beneficiaries, who are the persons designated by the insured when signing the policy contract in agreement with the situation or effect produced by the insured the accident.
• Death by accident
In the case of death of insured accident occurs, will be beneficiaries stipulated by it in the policy, who will obtain the entire sum insured under the conditions prescribed in the contract. In general insurers normally have a deadline in the policy to apply for such compensation.
• Permanent disability due to an accident
This is the physical location of anatomical or functional losses that create the insured irreversible consequences caused by a determining accident total disability of the insured, whether in labor issues or the development of professional activities. This being the insurance company awarded the insured capital following the indications of the conditions that are specified in the contract.
• Temporary Disability
It is a physical location of a lesion that prevents the insured performing their usual occupation for a certain period stipulated by the opinion of experts. Generally, compensation consists of payment of the certain daily amount as income in line with revenues that following the accident the insured stops receiving in job or profession, to the duration of the disability or to a ceiling which is usually one year. Do not confuse this with low labor insurance we talked about recently.
• Provision of health care
Aims to cover certain medical expenses that can be produced as a result of an accident. Hospital expenses, pharmaceutical expenses, medical expenses, home care cats, among others, however, like temporary disability; there is also a period of usually one year. We should not confuse this coverage with health insurance itself. While it is true that there are “overlapping coverage.” E.g. the second opinion from a doctor, in a secure and other, are given.
Security # will continue; if we have no accident!!! There is still much to tell about this insurance.
While; what do you think of accident insurance? You see that fits your needs? a member of this type of insurance? Your comments are lessons for us!