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A type of insurance policy that provides financial protection against unforeseen accidents
that cause bodily injury, property damage, or both. Unlike health insurance or motor insurance that
cover specific areas, general accident insurance is broader and focuses mainly on accidental
events that disrupt normal life or business activities.

It is crucial for individuals, families, and businesses looking for a safety net against sudden, unpredictable incidents.

Coverage Details

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General Accident Insurance typically covers:

1. Personal Accident Coverage
   Protection against injuries, disability (temporary or permanent), or death caused by an accident.
2. Property Damage
   Coverage for accidental damage to your home, office, or contents due to external accidents (e.g., fire, explosion, or flood damage).
3. Third-Party Liability
   If your accident causes injury or damage to others (example: a visitor slipping on your property), this covers the legal and compensation costs.
4. Travel Accidents
   Protection during domestic or international travel — includes trip cancellation due to accidents, emergency evacuation, and accidental death while traveling.

Key Features:

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1. 24/7 Worldwide Protection: Accidents are covered globally, whether at home, work, or traveling abroad.
2. Flexible Plans: You can choose basic or comprehensive coverage depending on your needs and budget.
3. Family Protection Option: Extend the same accident coverage to your spouse and children under one plan.
4. Affordable Premiums: Compared to other types of insurance, general accident policies are typically low-cost.
5. Quick Claims Settlement: Most insurers provide fast-track claims processing for accident cases.

Claim Process

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1. 24/7 Worldwide Protection
   Inform your insurance provider as soon as possible after the accident — ideally within 24-48 hours.
2. Document Collection
   Prepare necessary documents such as:
   1. Policy number
   2. Accident report (if available)
   3. Medical reports and bills
   4. Proof of loss or damage (photos, videos)
   5. Police report (for major accidents or third-party claims)
3. Claim Form Submission
   Complete the insurer's claim form carefully, attaching all relevant documents.
4. Investigation & Assessment
   The insurance company may appoint a surveyor or investigator to assess the incident and damages.
5. Approval and Payment
   Once the investigation is complete and approved, the claim amount is either disbursed - as a reimbursement or direct settlement (depending on the policy terms).

Why You Should Consider General Accident Insurance

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1. Accidents can happen anywhere, anytime - this insurance ensures you are financially protected without draining your savings.
2. It provides peace of mind for you and your loved ones.
3. For businesses, it safeguards your workforce and assets, promoting operational stability.
4. It is an essential addition to your risk management and financial planning toolkit.