What is Accident Insurance and What does It Cover

The fast-paced lifestyle that many people lead today, paired with various others such as distracted driving, increases the risk of accidents occurring. Having accident insurance can help you live a more peaceful life, allowing you to do whatever you want with less worry. Let’s take a look at what accident insurance covers and how important it is in our lives

What is Accident Insurance and Is it Necessary

Accident Insurance is an insurance policy that provides financial protection in the event of accidental damage or injury. This type of insurance typically covers medical expenses related to the injury whether it is minor or major.

The importance of having accident insurance depends on the person based on lifestyle and the risk of getting into an accident. However, accidents can happen unexpectedly and can have serious financial impacts. Therefore, having accident insurance can help mitigate these risks and provide a safety net for those who may not have savings to cover additional expenses.

What does Accident Insurance Cover

The coverage of accident insurance depends on the insurance plan you are choosing. The basic coverage will be as follows

• Coverage in case of death, loss of limbs and eyesight and permanent disability caused by accident.
• Coverage of partial and total temporary disability.
• Coverage when getting injuries from accidents.
• Medical expenses including in-patient compensation.
• Coverage for ambulance costs.
• Physical therapy coverage.

There is also insurance for risky lifestyles or occupations as well. For example, coverage for accidents caused by driving or being a passenger on a motorcycle, riots, strikes, traveling in aircraft that are not operated by commercial airlines and playing or competing in extremely dangerous sports.

When does Accident Insurance compensate

Accident insurance will compensate in case of death, loss of limbs or sight, permanent disability or internal injuries all caused by the accident, medical expenses, injury while being a passenger on public transportation and buildings.

The Benefits of Having Accident Insurance

1. It is insurance that can be done at all ages.
2. The premium is affordable and can choose the coverage you please.
3. The premium is fixed.
4. You can apply for it immediately. No need for a health check-up or health background.
5. They are covered regardless of any type of accident. You will be able to receive immediate treatment.
6. An insurance company will provide compensation according to the policy in case of death or disability from an accident.
7. It can reduce risks and can have a peace of mind that they are financially protected.

Accident Insurance from dSurance

As you can see from above how important it is to have accident insurance, you might be more interested in getting one. Let us introduce you to personal accident Insurance from dSurance. dSurance is a channel that gathers all types of insurance plans here including accident insurance as well. This channel is available for everyone to research and compare insurance plans to get the one that matches their needs and is worthwhile. The premium is less than a thousand per year* but provides coverage in case of death or disability up to 500,000 Baht* including death from driving or being a passenger on a motorcycle up to 250,000 Baht* and also covers medical expenses up to 80,000 Baht per visit. Plus, in-patient compensation is around 1,000 Baht(up to 30 days/accident). For those who are interested, it can be applied via dSurance website - easy to apply, convenient, fast and will get instant coverage.

In conclusion, Accident insurance is an important part of our lives, especially in today’s fast-paced world where accidents are becoming more common. It provides financial protection and peace of mind, allowing them to enjoy lives a little more.