Life is unpredictable. People can never tell for sure what event—good, bad or ugly—is going to come up in their life. When an accident occurs, people do not realise that they could actually have been prepared for such an instance. People tend to think that if they have a medical insurance policy, they do not require an accident policy. A personal accident insurance in India is important for the simple reason that the cost of healthcare is high. This growth rate of the cost of healthcare is not slowing down. An accident insurance policy is specifically designed for unplanned emergencies that occur. However, a regular medical plan is designed to compensate the cost of healthcare. It does not provide any extra benefits when compared to an accident insurance policy.
A personal accident insurance plan takes into account the after effects of an accident. For example, when an individual is disabled after a mishap, a personal accident plan compensates him/her or the family for disability or death. These are benefits that are not provided by a medical insurance policy. Apollo Munich offers comprehensive health insurance and personal accident insurance plans. Details of their policies are available one their website.
Overseas Travel Health Insurance
Traveling is fun until one runs into trouble. Planning for such unexpected problems is the toughest part of planning a vacation budget. The cost of living in foreign countries is high. This means that when an person who is earning in Indian currency, needs to spend money on unpleasant events, it will burn a hole in his pocket. There are means by which one can easily face such problems—taking a loan, borrowing money from friends/family, etc. However, each of these means tends to instill a financial blow to the traveler and his/her family. An overseas travel health insurance plan would be the best solution to the problem. The premium paid for such a plan is very nominal. At the same time, the cover offered by the policy is extensive and all-inclusive. A travel insurance plan covers numerous benefits and thus people need not worry about travel problems.
An overseas travel health insurance policy is also inclined toward offering cover for non-medical problems encountered. There are insurance plans that offer 24/7 assistance to individuals. The Apollo Munich Health Insurance Company’s Easy Travel Plan provides individuals the option of availing healthcare center referrals, embassy referrals, interpreter reference, and several other such features.
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