What is Personal Accident Cover in Travel Insurance?

• Written by Bhawika Khushlani

  Reviewed by Rashmi Rai

• favorite0Like

  favoriteBe the First to Like

  • Copy Link Copied! Share on Facebook Share on Linkedin Share on Twitter Share on WhatsApp

  Share

An emergency can knock at your door at any time, whether you are home or abroad. However, with the right coverage, like Explore International Travel Insurance from Care Health Insurance, you can stand against medical or non-medical emergencies, especially when travelling overseas. Although the international travel insurance plan has abundant benefits to offer, a personal accident cover is among the most supportive ones, providing comprehensive coverage. That is why buying a travel insurance policy from Care Health Insurance is a wise investment before taking off for your international trip.

Explore- International Travel Insurance from Care Health Insurance

Care Explore is a travel insurance plan that offers comprehensive coverage for unforeseen situations and emergencies abroad. From trip interruptions to personal accident cover insurance, there are countless benefits and services which offer financial protection against your loss. Even circumstances like delayed or lost baggage are covered as per the policy schedule. There is an array of travel insurance plans under Explore, such as region-specific plans and Schengen travel plans, that offer a range of coverage options.

Personal Accident Plan Cover by Explore

Personal accident cover insurance is among the significant benefits offered by the travel insurance plan.  In case of any accident during your trip, you are entitled to get coverage in the following circumstances:

• During Accidents: During your trip, if you meet with an unfortunate accident that causes permanent total disability or death, personal accident coverage will be provided by the insurance company.
• Common Carrier Accidental Death: If accidental death or Permanent Total Disability (PTD) occur while you travel through a common carrier, then a lump sum payment of the Sum Insured will be provided to the insured.
• Dental Expenses: If you suffer any dental injury due to an accident during your trip, you can file a claim for personal accident injury insurance for expense coverage.

Other Medical Coverages:

Apart from offering financial coverage, the best accidental insurance coverage also offers certain medical compensation such as:

1. Inpatient and Outpatient care hospitalisation expenses 
2. Daily Allowance for Compassionate during Hospitalisation
3. Compassionate Visit
4. Upgradation to business class
5. Return of the minor child

Documents Required to Claim Personal Accident Cover Expenses

1. Travel insurance documents
2. Claim Form
3. Identity proof
4. The doctor’s report specifies the accident, the nature of the injury, and the extent of disability.
5. Original prescription, medical bills, and test reports, if any.
6. For reimbursement, a discharge summary document is a must.
7. Original X-ray reports, pathological reports, and other diagnostic reports.
8. In case of accidental death, a copy of the death certificate.
9. Post-mortem report, in case of the death of the insured.
10. A medico-legal certificate.
11. FIR Report or Spot Report, if asked.

Claim Process for Personal Accident Insurance Policy Benefit in Care Explore

There are three major steps to follow to claim accidental insurance policy benefits:

Step1: The first and foremost step is to notify your insurance provider about the accident via email, call or mobile app.

Step 2: The next step will be to gather all the required documents, such as the claim form, proof of travel, medical records, police records and receipt of expenses.

Step 3: Fill in and complete the claim form and attach all the necessary documents. You can claim your coverage online to save time and effort. Keep copies of important documents for your reference.

Additional Benefits By Explore - A Quick Glimpse:

Explore is a travel insurance plan that covers several losses, along with personal injury coverage. Take a look at the coverage you get under the policy!

• Loss or Delay of Checked-in Baggage: The policy covers expenses up to a specified limit in case of loss of baggage. If there is a delay of 12 consecutive hours in receiving your checked-in baggage, you may raise a claim request. 
• Loss of Passport: If your passport is damaged or lost during your trip, the insurance policy will cover the expenses for issuing a new or duplicate passport.
• Personal Liability: If you incur personal liability by accidentally hurting a third party, then the insurance will cover legal liability expenses, given that the harm was unintentional and the policy t&c are met.
• Refund of Visa Fee: Refund of the visa fee is an optional benefit under the Explore International Travel Insurance plan. Under this benefit, if your visa is rejected after purchasing the policy, you can file a claim for reimbursement of the visa fee, provided there is no fault or negligence regarding the visa rejection on your end.

Permanent Exclusions

There are some situations where even if you have purchased a travel policy, you are not eligible to avail of benefits or claim expenses. There are as follows:

1. If the sole purpose of the journey is the treatment
2. Any self-inflicted injury
3. Any treatment that can be postponed till your arrival in your home country
4. Any surgery or dental issue which does not occur on the trip 
5. Any congenital anomaly or illness, defect, anomaly, or treatment related to birth defects, and Hormone replacement therapy.

Final Thoughts

Covering the significant risks of travel, as well as ensuring an additional layer of protection against financial loss, Travel Insurance works as a safeguard and is surely a wise investment against uncertainties. So before you pack your bags for your next international adventure, make sure to secure it with travel insurance.

>> Also Read: Trip Delay Coverages

Disclaimer: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.