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4 Types of Accident Insurance you Need to Know

There are four types of accident insurance that you can choose according to your needs. And each type of insurance has different benefits, depending on the type of product you choose.

Delfa
Updated
4 Types of Accident Insurance you Need to Know

Currently, there are many types of accident insurance that you need to know before buying the insurance product. Starting from personal accident insurance, work accident insurance, traffic accident insurance, and aircraft accident insurance.

However, not infrequently people think that accident insurance is not much different from life insurance. However, basic life insurance cannot protect you if you have an accident even though they both provide coverage in the event of death.

Therefore, if you are the head of the family and have many dependents, consider choosing the best accident insurance. Thus, you can avoid the worst risks.

Types of Accident Insurance

As in the discussion above, there are four types of accident insurance that you can choose according to your needs. Each type of insurance has different benefits, depending on the type of product and policy you choose.

To answer your curiosity about the four types and benefits offered by the insurance policy, you can read more in the explanation below.

1. Personal Accident Insurance

This type of personal accident insurance is insurance that provides protection for 24 hours so that you are still protected from various risks such as disability to death due to an accident. There are several provisions that have been set in the insurance policy regarding the criteria for personal accident insurance.

For example, such as accidents that are not intentional or due to participating in races or other extreme activities that are not covered by accident insurance.

For such conditions, there are usually special provisions if sports activities that are high risk want to get additional protection from accident insurance. Of course with an addition like that, you need to pay a higher premium.

2. Work Accident Insurance

This type of work accident insurance is usually the responsibility of the company. However, there are times when you also check the coverage obtained from work accident insurance covered by the company.

All work accidents that occur, both minor and serious, receive protection from an insurance policy in accordance with the impact caused by the accident experienced.

3. Traffic Accident Insurance

All public passengers get insurance coverage. Even though the amount of compensation is not large, you still get protection caused by an accident that occurs.

Public transportation and even online transportation have now provided protection to its passengers. This means that the fare paid by the passenger has been calculated in the insurance premium paid by the transportation service provider.

4. Airplane Accident Insurance

Types of aircraft accident insurance can occur due to many factors. For example, internal factors due to human error or aircraft malfunctions or also caused by external factors such as bad weather.

This risk has been borne by the airline by insuring its passengers. So that if the plane crashes and the passengers become victims, the heirs of the victims will receive compensation in the form of a sum assured as stipulated in the provisions.

How to Choose Accident Insurance

If you want to buy the best insurance, you can consider the following tips.

  • Be sure to understand the list of injuries or injuries covered by insurance in detail.
  • Honestly convey your health condition and medical history to the company where you work if it is taken care of by the office or directly to the insurance company.
  • Make sure that accident insurance protects the insured both in the office area and outside the office area.
  • The older age will affect the premium paid
  • Make sure to understand the waiting time and also the coverage time

The type of work performed also greatly influences the premium paid. If you work in the field, you will usually be charged a higher premium compared to office workers.

Those are some types of accident insurance and how to choose the best accident insurance that you can try. Make sure to get accident insurance with affordable premiums according to your financial capabilities.

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