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Accident Insurance

Accident insurance is a form of insurance policy that offers a payout of pre-specified benefits when people experience injury or death due to an accident.

Accident Insurance is also known under the expanded title of "ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE'.

Policies can be taken out for individuals or groups such as employees, school children, travelers etc.

The benefits under such policies are set in advance, with a 'Capital Sum' being paid upon death, whilst proportional amounts of the policy will be paid out if the covered person loses a bodily appendage or sight because of an accident, or is disabled. Again, the policy is very specific in stating the categories of injury or dismemberment that warrant explicit payments.

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