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Family Insurance is typically a Personal Accident policy that covers multiple family members. It provides financial compensation for death, disability, or medical expenses that arise as a direct result of an accident.

No, this is a very important distinction. Medical insurance covers costs from illness and general health issues. Family / Personal Accident insurance specifically covers incidents resulting from an accident. The two policies are complementary and provide a complete safety net.

Most plans are designed to cover the primary insured person, their spouse, and their dependent children (usually up to age 18 or 21). Coverage for other relatives like parents typically requires a separate policy.

An accident is generally defined as a sudden, unforeseen, and external event that results in bodily injury. This includes things like car crashes, falls, burns, etc. It does not include illnesses or diseases.

The premium is based on the number of family members covered, the age and occupation of the primary adult(s), and the total sum insured (the amount of coverage selected). Occupations with higher physical risk may have higher premiums.

This benefit pays out a lump sum if an accident results in a severe, permanent disability that prevents an individual from working ever again. This can include loss of limbs, sight, or other catastrophic injuries as defined in the policy.

Unlike medical insurance, personal accident policies generally have no waiting period. Coverage typically begins as soon as the policy is issued and the first premium is paid.

Coverage for amateur sports is usually included. However, injuries resulting from professional or hazardous sports (like motorsports, mountaineering, etc.) are often excluded unless specifically declared and accepted by the insurer for an additional premium.

This depends on the type of claim. Generally, you would need the completed claim form, medical reports detailing the injury, original medical bills (for reimbursement claims), and a police report if applicable (e.g., for a road accident).

Yes. As brokers, we work with you to determine the appropriate level of coverage (Sum Insured) for your family based on your budget and financial needs, helping you select a plan that provides adequate protection without being excessive.