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Are you worried about unexpected accidents that could happen to you or your loved ones?
Accidents can be a life-altering experience affecting your finances and emotional well-being. This is where accident insurance comes in. It’s a type of insurance that provides financial protection in an accident. However, not all accidents are covered under an accidental health insurance policy.
Moreover, you would be astonished to know that some accidental insurance claims are so common that you can avoid them, which can also save you from the long process of how to claim accident insurance. This blog will discuss the most common accidental insurance claims and how to avoid them. So, let’s get started!
6 Common Accidental Insurance Claims and Ways to Avoid It
Here is a list of the most common accidental insurance claims:
1. Slip and Fall Accidents
Slip and fall accidents can occur due to slippery floors, uneven surfaces, or objects left on the floor. These accidents can lead to head injuries, broken bones, and other serious injuries. Personal accident insurance cover can provide financial assistance to cover the medical bills and other expenses incurred during your recovery.
How to Avoid It?
To avoid slip and fall accidents, ensure that the floors are clean and dry and that objects are kept away from walkways. You can also take some preventive measures, such as wearing shoes with good traction, using handrails while walking on stairs, and being careful while walking on uneven surfaces.
2. Motor Vehicle Accidents
Motor vehicle accidents can be caused by reckless driving, distracted driving, or poor road conditions. These accidents can result in severe injuries, including fractures, brain injuries, and spinal cord injuries. You must submit the necessary documents to claim accidental insurance, including a police report, medical bills, and a claim form.
How to Avoid It?
To avoid motor vehicle accidents, practise safe driving habits, such as wearing a seatbelt, obeying traffic laws, and avoiding distractions while driving. Remember, road safety is everyone’s responsibility.
3. Workplace Accidents
Workplace accidents are a common occurrence that can cause physical injuries or critical illnesses to employees. Workplace accidents can occur due to poor safety measures, inadequate training, or equipment failure. These accidents can result in injuries such as cuts, burns, and amputations.
How to Avoid It?
To avoid workplace accidents, ensure that safety measures are in place and that employees are properly trained to use the equipment. You can also take other preventive measures, such as using Personal Protective Equipment (PPE), attending safety training sessions, and reporting unsafe conditions to your supervisor.
4. Sporting Accidents
Sporting accidents can occur due to improper equipment, lack of training, or physical contact. These accidents can result in injuries such as broken bones, concussions, and sprains. In case of an accident, make sure to contact your insurance provider and follow their instructions on how to claim accident insurance.
How to Avoid It?
To avoid sporting accidents, ensure that you are using the proper equipment and have the proper training to play the sport. Stretching is a crucial part of the warm-up and should be done before and after any sport. Also, make sure you wear the appropriate safety gear, such as helmets, pads, and supportive shoes.
5. Accidental Poisoning
Accidental Poisoning can occur due to ingesting harmful chemicals, medications, or household products. These accidents can result in serious injuries such as organ damage or even death. You must have personal accident insurance cover that can provide you coverage for accidental poisoning.
How to Avoid It?
To avoid accidental poisoning, ensure that harmful chemicals and household products are kept out of reach of children and that medications are properly stored. Always pay attention to the label and follow the given instructions carefully.
6. Accidents at Home
Accidents at home can occur due to poor safety measures, inadequate lighting, or faulty equipment. These accidents can result in injuries such as cuts, bruises, and burns. Always check with your insurance provider on how to claim accident insurance if an accident at home does occur.
How to Avoid It?
To avoid accidents at home, ensure that safety measures are in place, such as installing smoke detectors and ensuring that equipment is properly maintained. Be careful when handling knives and hot surfaces, and keep all sharp objects and appliances out of reach of children.
Conclusion
If you’re like most people, you probably think accidents won’t happen to you. However, accidents can happen anytime and anywhere, and it’s essential to have accidental insurance coverage. Thus, you should be prepared with the required coverage. Moreover, you should also know the process for claiming accident health insurance so that you can easily claim your insurance if something happens.
With Niva Bupa Health Insurance, you can have peace of mind knowing that you’re covered in case of an accident. Don’t wait until it’s too late; protect yourself and your loved ones with Niva Bupa Health Insurance today!
