PERSONAL ACCIDENT INSURANCE
It’s hard to know what surprises life will present us with. Then, what about insuring yourself, your family and your employees from events that may negatively affect our lives, such as an accident?
It’s hard to know what surprises life will present us with. Then, what about insuring yourself, your family and your employees from events that may negatively affect our lives, such as an accident?
It’s hard to know what surprises life will present us with. Well, what about insuring yourself, your family and your employees from events that may negatively affect our lives, such as an accident?
Taking out personal accident insurance is one of the best ways to be prepared for sudden and unexpected bad events and to be less affected by life’s bad surprises. Personal accident insurances provide protection for the treatment costs that may be needed as a result of an accident or in cases such as disability, death, in line with their coverage.
What is Personal Accident Insurance?
Personal accident insurance basically provides financial support to legal heirs in case of death of individuals after possible accidents, and to individuals themselves in cases of disability or injury. Thanks to personal accident insurance, financial problems are solved more easily in difficult times.
What Does Personal Accident Insurance Cover?
The coverages of the types of personal accident insurance vary. The scope expands or narrows according to the number and characteristics of the collateral. The most important point you need to know in order to feel financially secure is the guarantees.
- Accidental Death Coverage: It is the most basic cover of personal accident insurance products. In case of death as a result of an accident, the amount determined in the policy is paid to the beneficiaries and financial support is provided.
- Accidental Disability Coverage: It is the most common coverage after death coverage in personal accident insurance types. In case of injury as a result of an accident, the amount determined in the policy is paid to the individual himself/herself.
- Treatment Costs Coverage: This is the coverage that covers hospital expenses in cases of accidental injury and similar situations.
- Hospitalization Coverage: Just like the treatment costs cover, it is among the coverages that are not encountered very often. Therefore, if you wish to take advantage of the coverage, you need to make sure that it is included in the personal accident insurance product you choose. It intervenes in the event that you stay in the hospital as a result of an accident and covers your hospital expenses in line with the policy.
On the contrary, the cases that can be guaranteed by the Contract
- Using motorcycles and mopeds,
- Open sea fishing and hunting in high mountains,
- Sports competitions and speed races,
- Earthquake, flood, volcanic eruption and landslide.
Cases not covered
- War, revolution, rebellion, uprising and the complexes arising from them,
- Committing crime and murder, attempting to do so,
- Participating in strikes, labor movements and popular movements,
- The insured person knowingly putting himself/herself in danger.
