Accidental Death Insurance --- Take care of your beloved ones even after you leave

Human beings cannot entirely exercise control over the happenings like accidental deaths but can surely control the future of our family or beloved ones if we meet an accidental death. That is through the accidental death insurance. As you would have already guessed from the name, accidental death insurance is made to get the insurance in case a person meets an accidental death or suffer serious injuries like the loss of limbs or blindness. In case of a death the insured money is paid to the beneficiary and in case of bodily injuries the insured gets a part of the sum. This insurance is only applicable to those deaths that have been caused by accidents, natural deaths due to various diseases and suicide deaths are not covered by these deaths.

Any UK resident who falls in the age group of 16-75 years is eligible for this insurance. The monthly premium that you will need to pay will depend on the insurance plan factors like period of insurance, the sum insured etc. Various insurance companies offer various insurance plans. In some plans along with the accidental insurance you also get the medical support like second opinion on any health problem and access to the medical support team.

Although the major purpose of accidental death insurance plan is to benefit the dependents after the sudden death of the insured still there are some conditions in accidental death benefit plan that needs to be read properly. Like the insurance will not be applicable if the person was driving with alcohol in blood which is more than the permissible limits under the law, was serving in the armed forces or was playing some adventure sports like paragliding, rock climbing, motor racing etc mentioned clearly in the insurance clauses. A person cannot claim benefits from more than one policy. Generally, the insurance is valid for a period of 12 months before it is up for renewal.