Personal Accident
Definition - Accident
Accidental Means — a condition precedent to recovery under some insurance policies requiring that the covered loss be the result of an accident rather than merely the accidental result of a nonaccidental event. (IRMI - Glossary}
Accident —
(1) In common usage: an unforeseen and unplanned event or circumstances; or an unfortunate event resulting especially from carelessness or ignorance (Webster's Dictionary).
In insurance parlance, a term that is included within the insuring agreement of many types of liability insurance. In a few cases, the word "accident" is a defined term within the policy. In most cases, however, common law becomes the determinant of what is, or is not, an accident for purposes of triggering coverage.
Definasi Kemalangan
Cara Kemalangan — syarat terdahulu kepada pemulihan di bawah beberapa polisi insurans yang menghendaki bahawa kerugian yang dilindungi adalah akibat kemalangan dan bukan hanya akibat kemalangan daripada kejadian bukan kemalangan. (IRMI - Glosari}
Kemalangan -
(1) Dalam penggunaan biasa: kejadian atau keadaan yang tidak dijangka dan tidak dirancang; atau kejadian malang yang berpunca terutamanya daripada kecuaian atau kejahilan (Kamus Webster).
Dalam istilah insurans, istilah yang termasuk dalam perjanjian menginsuranskan pelbagai jenis insurans liabiliti. Dalam beberapa kes, perkataan "kemalangan" ialah istilah yang ditakrifkan dalam polisi. Walau bagaimanapun, dalam kebanyakan kes, undang-undang lazim menjadi penentu apa yang, atau bukan, kemalangan untuk tujuan mencetuskan liputan.
Introduction
Personal accident insurance is one of the common personal lines of insurance sold due to its relatively low premium. Unlike a life policy, personal accident insurance is an annual policy and is subject to review every year.
Personal Accident insurance policies can be broadly categorized as follows :
a) Individual Personal accident -taken by individuals on their own lives or on the lives of their spouse and immediate family members.
b) Group Personal Accident -usually taken up by employers/ organizations on the lives of their employees/members.
d) Drivers & Passengers Personal Accident -taken up by car owners to cover the driver and passengers.
In this topic, we like to further elaborate on Individual Personal accidents -taken by individuals on their own lives or on the lives of their spouses.
Pengenalan
Insurans kemalangan peribadi adalah salah satu daripada barisan insurans peribadi yang biasa dijual kerana premiumnya yang agak rendah. Tidak seperti polisi hayat, insurans kemalangan diri adalah polisi tahunan dan tertakluk kepada semakan setiap tahun.
Polisi insurans Kemalangan Diri secara umum boleh dikategorikan seperti berikut:
a) Kemalangan peribadi individu -diambil oleh individu atas nyawa mereka sendiri atau atas nyawa pasangan dan ahli keluarga terdekat mereka.
b) Kemalangan Peribadi Kumpulan -biasanya diambil kira oleh majikan/organisasi mengenai kehidupan pekerja/ahli mereka.
c) PA Perjalanan - polisi jangka pendek yang biasanya diambil oleh Pihak Diinsuranskan semasa melancong ke luar negara atau dalam negara.
d) Kemalangan Diri Pemandu & Penumpang -diambil oleh pemilik kereta untuk melindungi pemandu dan penumpang.
Dalam topik ini, kami ingin menghuraikan dengan lebih lanjut tentang Kemalangan Peribadi Individu -diambil oleh individu dalam kehidupan mereka sendiri atau tentang kehidupan pasangan mereka.
Nomination (Nominees)- Use to be term as beneficiary (1987-1995) in personal insurance such as life and personal accidents were policy taken-up.
The nominees' details must be correct as we want our dearest and loved ones to get the sum insured as soonest as possible is one of our reasons to take up this accidental insurance. So, this is of utmost importance when nominating your beneficiary(ies) or nominee(s)..