Add On Benefits/Covers in Personal Accident Insurance
Apart from the basic coverage under the policy, there are some add on covers available on payment of extra premium. Some of these are:
Hospital Confinement Allowance
The per day allowance of a specified amount with a capping on number of days for the entire policy period, if insured is admitted in a Hospital due to Injury or Accident that occurs within the Republic of India.
Ambulance Charges (sometimes including air ambulance)
Specified percentage of Accidental Death Sum Insured per policy period towards expenses incurred for availing an Ambulance Service. The expenses are payable if incurred for availing an Ambulance Service to transfer the Insured Person to a Hospital from the location of Accident or Injury or from one Hospital to other Hospital or from hospital to place of residence in case of death or PTD.
Accidental Hospitalization Expenses
Medical expenses incurred by the insured in connection with the accidental bodily injury, subject to specified limits.
Family Transportation Benefit
Expenses towards transportation of the family member to the location of the insured incase of accidental death / permanent total disability.
Fixed compensation in the event of fracture of bones due to an accident.
Specified sum for each completed day subject to a maximum number of days towards the cost of engaging one attendant at residence immediately after discharge from the hospital, provided the same is recommended by the attending physician.