Which Contingency Is Not Covered Under Personal Accident Insurance

Posted on: Jul 2, 2024 | 3 mins | Written by: HDFC ERGO Team

Which Contingency Is Not Covered Under Personal Accident Insurance

Health insurance offers comprehensive medical coverage. However, in most floater and individual health insurance plans, some exclusions are not covered under the policy. The same holds for personal accident plans as well. Read on to know which contingency is not covered under personal accident insurance.

List of exclusions in personal accident insurance

You need to read the terms and conditions of the insurance policy you buy to understand what is covered and what is not. Here are some of the most common exclusions stated in a personal accident insurance plan:

1. Intentional injuries

There will be no payout if the accident happens due to an intentional injury such as an attempted suicide.

2. War injuries

War injuries are not covered under a personal accident cover. Whether you are a soldier or a civilian injured in a war, you cannot make a claim for any medical expenses. There are other forms of health insurance available for such injuries that you may consider getting.

3. Injury due to substance abuse

If a road accident takes place due to drunken driving, the injured driver will not get a claim from the personal accident insurance policy. Apart from alcohol, if an accident is caused by any other substance abuse such as drug abuse, you won't be able to make a claim.

4. Injury due to participation in riots

Damages caused due to rioting are usually excluded from all insurance covers. Similarly, injuries sustained due to willful participation in a riot are also excluded. You cannot make a claim for any medical expense incurred in the treatment of an injury caused due to rioting.

5. Injury caused by adventure sports

Adventure sports are very thrilling, but they are risky and dangerous as well. If you read your policy wording carefully, you will see that all injuries resulting from water sports accidents are excluded. So, whether it is a minor fracture or a more serious injury that requires surgery, you won't be able to make a personal accident claim.

It helps to know what the exclusions are as that will help you to make a claim which won't be rejected.

Conclusion

These are some of the generic exclusions in a personal accident insurance plan. Read the policy wordings very carefully to know in detail about the complete list of contingencies not covered in your plan to understand the coverage better.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

How to Buy Personal Accident Insurance Online?

Personal Accident cover is equally important as compared to life and health cover

Know the Difference between Accident Insurance and Health Insurance

Does Health Insurance Covers Accidental Injuries?

How Soon Should You See a Doctor After an Accident?