Accidental Disability Cover in Health Insurance: Coverage & Benefits

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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.

What are the Types of Accidental Disability Covers in Health Insurance?

An 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.

Short Term Disability Insurance Coverage

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.

Long Term Disability Insurance Coverage

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.

Why Do You Need Accidental Disability Cover in Health Insurance?

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.

Coverage against specific risks like accidents
Replacement of a part of one’s income
Covers hospital bill payments
Enhance the total health coverage
Peace of mind/avoid unexpected financial stress, etc.

How to Choose the Right Disability Insurance Cover?

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.

Coverage Amount

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.

Inclusions (Types Of Disabilities Covered)

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.

Terms to Classify Disabilities

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.

Exclusions

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.

What are the Benefits of Buying Accidental Disability Health Insurance From ACKO?

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.

ACKO Standard Health Plan

Sum Insured (Rs. 10 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, and Rs. 1 Crore)
Critical Illness Coverage
Cashless Hospitalisation
Pre & Post-Hospitalisation Expenses, etc.

ACKO Platinum Health Plan

Zero Waiting Period (insurance coverage from day 1)
Unlimited Sum Insured
Zero Deductions at Claim
Expensive Medical Treatment Coverage
Zero Co-Payment
Multiple Add-on Covers, etc.

ACKO Platinum Super Health Top-Up Plan

Sum Insured (Rs. 10L, Rs. 25L, Rs. 50L, Rs. 1 crore, Unlimited)
Critical Illness Coverage
Multiple Ambulance Trips Coverage
Emergency Evacuation Coverage (Domestic)
Additional Add-on Covers, etc.

Enhance your health insurance by exploring these unique benefits
OPD Cover	Cashless Health Insurnce	Room Rent Limit	Unlimited Sum Insured	Zero Waiting Period

The Bottom Line

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.

Frequently Asked Questions

Read below to learn some FAQs about accidental disability coverage in health insurance.

1. What tax benefits will I get on accidental disability coverage in health insurance?

One can claim a tax deduction of up to Rs. 25,000 for personal accident covers. Additionally, a senior citizen can get a tax deduction up to Rs. 50,000. However, if an individual is paying premiums for personal accident insurance covering a senior citizen, he or she can claim up to Rs. 75,000 as a deduction.

2. What falls under permanent total disability?

In case, an individual loses both of their eyes, hands, and feet or loses one hand and foot, these all come under permanent disability. Thus, opt for an accidental disability cover while buying health insurance.

3. Can an individual with a disability opt for disability insurance coverage?

No, if you have a partial or total disability, you cannot buy a disability insurance policy. Henceforth, while opting for a health insurance plan, get accidental disability coverage within the inclusions.

4. What are the exclusions in an accidental disability cover?

Overdosing on drugs or alcohol, participating in criminal activities, riots, self-inflicted injuries, and the same do not fall under an accidental disability cover.

5. Will disability insurance work for disabilities due to illness?

Usually, 25 to 50% of your total life cover amount should be enough to support you in normalising your life after a disability. However, you may increase or decrease the amount based on your specific needs and affordability by addressing this to the insurance provider.

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.