Personal Accident And Sickness Insurance
For those who have never thought much about getting insurance
, personal accident and sickness insurance is a very good thing to have. While no one ever likes to think that they will get seriously ill or have an accident that would prevent them from working, such misfortunes can happen to anyone. And if there is no accident, sickness insurance and key person insurance there will be not only the debilitating effects of the illness to worry you, but the fact that your usual income is no longer available.On the other hand, if you do have the correct insurance and are able to claim, your mind will be very much relieved to know that those household and medical bills will still be paid. Without having the worries of finance to affect your mind, your recovery will be a great deal quicker.
What you need to watch out for when getting such insurance is that there are some things it may not cover. Such things as disease, chronic illness, mental conditions, drugs and alcohol, sports, self harm including suicide and pregnancy are often not included in some general insurance policies.
What personal accident and sickness insurance does cover in most cases is accidental death or injury that causes permanent or temporary part or total disability. For a higher premium you can get a wider cover or additional benefits, but since not all policies are the same you need to read the fine print to find out exactly what is covered and what additional benefits may be available.
Once you have this kind of insurance you usually need to inform the insurance company if anything in your life changes. This could be a change of job or the onset of some disease. Usually you have to tell them about the change before the next renewal is due. While it may seem that you have to jump through hoops to please the insurance company, you will certainly be thankful for the insurance should anything happen for which you can claim. Although for comprehensive protection its better to upgrade to Income protection Insurance provided by a life Insurance Company which comes with a guarantee.
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