Health Insurance vs Personal Accident Cover
Health Insurance vs Personal Accident Cover
Many people confuse health insurance and personal accident insurance, but they’re very different—and ideally, you should have both.
- What Does Health Insurance Cover
- Hospitalisation expenses due to illness or accident
- Pre and post-hospitalisation costs
- Surgeries, ICU charges, daycare procedures
- Some plans even cover maternity, organ transplant, and wellness check-ups
Example: You’re admitted due to dengue. Health insurance covers room rent, doctor fees, medicines, etc.
- What Does Personal Accident Insurance Cover?
- Accidental death
- Permanent or partial disability
- Temporary total disability (compensation for lost income)
- Covers loss of limbs, eyesight, etc.
Example: You fracture your leg in a road accident and can’t work for 2 months. This plan gives you weekly compensation.
Why You Need Both
- Health insurance pays for treatment
- Accident insurance pays for consequences of injury (like income loss or death)
- Together, they offer complete protection
- Tinassure Tip
Don’t rely on health insurance alone. Accidents are unpredictable, and their financial impact goes beyond hospital bills.