Health insurance should help you focus on recovery, not bills.
1 Crore Health Plans starting @₹22/day*.
We pay 100% of your hospital bills
From syringes to surgeries
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1 Crore Health Plans starting @₹22/day*.
We pay 100% of your hospital bills
From syringes to surgeries
No limit on hospital room rent
No compromises on recovery
Accidents do not happen by giving you early notice. It can happen to anyone, anywhere and anytime, leading to as grave as physical disabilities. It also at times leads to hampering your ability to perform day-to-day activities, which eventually affects your earnings. Thus, having an Accidental Disability Health Insurance is beneficial as it will help you to manage your expenses. Overall, this type of health insurance plan will offer coverage to compensate for every change an accidental disability can bring to an individual's life. This type of coverage is provided within a primary health insurance plan. In this article, you will get an overview of Accidental Disability policies in Health Insurance.
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TypesAccidental Disability Cover in Health InsuranceRight Disability Insurance CoverBenefitsUnique BenefitsThe Bottom LineFAQ'sDisclaimerAn accidental disability cover will suffice all your life's basic expenses, domestic expenses, bill payments, etc. However, one must know that every individual has a different financial and medical history, thus the financial assistance provided under this coverage might vary.
Primarily, there are two types of accidental disability coverage, one is short-term and the other is long-term disability insurance coverage. Read below to explore more about these two types of accidental disability coverage in health insurance.
Under this coverage, one will get coverage only for a limited duration. This coverage is ideal for individuals who have faced temporary physical disability. By opting for this coverage, you will receive all the benefits until you recover or use the full coverage amount.
Under long-term disability coverage, the insured person might get benefits and coverage ranging between a few years to a lifelong period. Individuals with a permanent physical disability must consider choosing this plan for comprehensive coverage.
Life is too uncertain as anything can happen to anyone. For instance, one might face a serious accident and lose their ability to work, leading to zero income. In such times, this health insurance coverage becomes a life saviour. Besides, below are some of the reasons you need accidental disability coverage in your health insurance plan.
Getting health insurance is easy but the process of getting the right one that fulfils all your needs and is feasible to your pocket is the main decision to make. It is important for you to decide on health insurance as per your and your family's needs to get the most out of it when required.
Some of the factors that you must consider before purchasing a health insurance plan are the range of policies, hospital networks, waiting period, coverage, sub-limits, claim process, and many more. Similarly, while choosing accidental insurance coverage, you must look into the following factors minutely.
It should have an adequate sum insured to provide optimal coverage to you and your family in such times. It should have enough sum insured to cover basic expenses along with additional therapy costs.
You must look into the type of disabilities covered in the policy. Consider choosing the policy with the widest range of disabilities to be on the safer side. Although, you must know that with the increasing range, the premium might increase.
Almost every insurance policy comes with pre-set definitions of what will be considered a disability. Thus, look into the policy terms to be well-informed before buying one.
Other than knowing the inclusions, you must be well aware of all the exclusions stated by the insurance provider. Most of the insurance companies have a few legal and natural exclusions to accidental disability insurance policies.
ACKO provides a wide range of health insurance plans to suit every insurance need of yours. Each plan has attractive features and benefits that are ideal for you and your family members. These plans can be the best health insurance for Accidental Disability if they suit your requirements. Have a glance at the below-listed features of the ACKO health policies.
| Enhance your health insurance by exploring these unique benefits | ||||
| OPD Cover | Cashless Health Insurnce | Room Rent Limit | Unlimited Sum Insured | Zero Waiting Period |
An accidental disability insurance policy acts as an add-on that provides coverage for long-term and short-term disabilities that occur due to an accident. Besides, it offers other benefits like tax advantages, financial protection, etc. Henceforth, you must opt for accidental disability coverage in your health insurance to combat any kind of unforeseen accidents that happen in future.
Read below to learn some FAQs about accidental disability coverage in health insurance.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.
Written by
Roocha Kanade
Content Architect
Health Insurance content enthusiast who turns complex topics into easy, binge-worthy reads—fueled by SEO, creativity, and way too much chai! Loves juggling multiple projects, cracking impossible deadlines, and sprinkling humor into the mix. When not geeking out over digital trends, you'll find her lurking on Quora and Reddit, planning the next getaway, or passionately decoding all things health and insurance!
Reviewed by
Dr Nitin Kumar Gupta
SVP – Health Underwriting & Claims at ACKO General Insurance
With 20+ years of experience in digital transformation and growth, he is a leader specialising in health, life, accident, and disability insurance. Backed by an MBBS degree and insurance designations (FLMI, FALU, FLHC, ACS, ARA), he combines expertise with leadership.
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