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Comparing Personal Accident Plan with OneInsure

Life is uncertain and you never know when you would be incapacitated due an accident or illness. A fatal accident can lead to disability and hamper your financial stability and impact you emotionally. To protect yourself from such financial repercussions, you need to have a Personal Accident Policy. However, choosing the right plan can be task considering the wide range of options available.
At OneInsure, we strive to simply the cognitive process of buying insurance and help you to select the policy that best suits your needs.
Service for Lifetime
Your Personal Concierge who will always stay with you throughout your life span.
Informed Decision
Our robust analytics, market intelligence & sound judgement helps you to make an informed decision. 
Claim Services
Our Guidance & Support right from filling your claims till the claim amount is settled.
My Policy Corner
A Virtual Insurance Policy Assistance which helps you to manage your own policy.

What is a Personal Accident Policy?

A Personal Accident Policy is designed to provide financial support in the event, the insured meets with a serious accident or Injury. It provides compensation in the form of a fixed lump sum amount in case of an unfortunate event leading to Death, Permanent or total Disability or temporary disablement. This policy is the most unpopular but crucial insurance cover which every Indian should buy. Let us look at some of the alarming facts which will make you realize that buying a Personal Accident Cover is a wise decision:-
  1. The National Crime Records Bureau has released its annual report stating 4,51,757 people died of accidental deaths in the year 2014.
  2. There have been an increasing in the rate of accidental deaths in India between 2004 to 2014 by 42.4%.
  3. According to sources, 34% of Indian Accidental Deaths take place on roads

Coverages offered in a Personal Accident Insurance Plan

Accidental Death
In the event of Death of the Insured due to an accident, the entire Sum Insured will be given to the Nominee.
Total Disability
In the event of an accident which leads to permanent total disability (Eg. Paralysis) the insured cannot involve in any gainful employment.
Partial Disability
Under this plan, the disablement is not total but partial in nature. Even if there is any loss, post recovery the insured can involve in a gainful employment.
Temporary Disability
Here, the disablement is total but for a temporary period. Here the employee is expected to recover from a disability but cannot work while recovering. 

Key Factors to Consider Before Buying a Personal Accident Policy

Coverage or sum insured depends on the monthly income of the insured. 
Worldwide Cover at Lower Premium
Other benefits like, Child education expenses, legal & funeral expenses, medical expenses are paid.

How much Personal Accident Cover a person should get depends on

(Multiplying your current monthly income into 100 times)
Monthly Income
Occupation
Current & Future Lifestyle
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    up to ₹50 Lakhs on Retirement
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