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Health insurance policies are designed to cover a broad range of medical expenses, including preventive care, doctor visits, and prescription drugs. On the other hand, medical insurance policies provide coverage for specific medical expenses related to a serious illness or injury.
Health insurance provides comprehensive coverage that can offer accident insurance cover also. But personal accident cover is only limited to accident-related hospitalization expenses. Both the policies vary in terms of coverage, features, sum insured, etc.
Broadly speaking, there are two types of personal accident insurance Individual Personal Accident Insurance and Group Personal Accident Insurance. Individual Personal Accident Insurance:The first one is meant for individuals and it offers more coverage compared to the group insurance type.
While health insurance covers a wide range of medical conditions and preventive care, accident insurance focuses solely on injuries sustained from accidents. It offers additional financial support, helping individuals pay for medical treatment, surgeries, hospital stays, and rehabilitation costs.
A comprehensive plan would cover all sickness or accidents that are not specifically excluded. Limited health insurance policies only cover specific accidents or diseases. A comprehensive plan would cover all sickness or accidents that are not specifically excluded.
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People also ask

Accident and sickness insurance is insurance that protects policyholders from losses of income due to being involved in an accident or getting a sickness that forces the person to stop working.
Critical illness insurance typically provides a lump-sum payment when youre diagnosed with or require any of the following: Heart attack. Stroke. Kidney failure.
With MetLife Accident Insurance, you can receive a lump-sum payment, paid directly to you, to use at your discretion. It can help with: Injuries: such as fractures3, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, and severe burns.

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