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Overview
According to a report published by the States and Union Territories on PIB, India records over 5 lakh road accidents annually, resulting in more than 1.6 lakh deaths and over 4.4 lakh severe injuries.
A Digit Personal Accident Insurance policy provides crucial medical and financial protection when you need it most. It covers not only the insured member but also their nominees. In the unfortunate event of an accident, which could be a road accident, a fall, burns, or any other mishap, the policyholder might face accidental death or total/partial permanent disablement.
Such severe accidents can make it challenging for the insured individual to support their family. Why wait for financial distress when you can secure your family's future proactively?
Before making a decision, understand the specifications and exclusions of the Digit Personal Accident Insurance plan. This policy covers hospitalization expenses for accidents or injuries and provides financial support to your family, including education grants for children and marriage expenses if the insured suffers permanent total disability or accidental death.
Read on to know more about Digit health insurance for personal accident coverage offerings.
What Does Digit Personal Accident Insurance Cover? (Inclusions)
- If the insured individual dies due to an accident, their dependents will receive financial aid, along with coverage for transportation and funeral expenses.
- If the insured suffers total or partial disability (e.g., loss of limbs or sight, as per policy specifications) due to an accident, the insurer will cover their financial needs.
- Hospitalization expenses, including room rent, diagnosis, daycare procedures, pre and post-hospitalization, and road ambulance charges, are covered if the insured is hospitalized due to an accident.
- In case of temporary total disability, where the policyholder is unable to work or earn, the insurer will provide a weekly benefit amount for day-to-day expenses.
- If the insured suffers accidental death or permanent total disability, the insurance company will cover expenses for their children's education or marriage.
- Accidental injuries sustained during adventure sports like scuba diving, bungee jumping, or sky diving are covered, provided the sports are undertaken under the supervision of a qualified expert.
- Avail tax benefits on premiums paid under this policy, as per Section 80D of the Income Tax Act of India.
What Does Digit Personal Accident Insurance Not Cover? (Exclusions)
- Self-inflicted injuries
- Alcoholism or drug abuse
- War and terrorism affairs
- Criminal intent and complications caused due to the same
- Suicidal attempts
