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Why Health Insurance And Personal Accident Policy Is Important For Bike Riders

Updated On May 10, 2021

Bikes are one of the most sought after forms of transportation in India. As per the Indian Motor Vehicles Act of 1988, it is mandatory for bike owners to have a third party bike insurance policy that covers the financial liabilities against damages sustained by another person, bike or property by your bike. It offers minimum protection to you and therefore it is advisable to have a comprehensive bike insurance cover to get maximum benefits.

Under comprehensive cover, you are guaranteed health insurance and a personal accident cover so that if you are ever faced with an accident, the two covers will cooperatively pay for your hospitalization and medical bills and compensation as required. In this article, we are going to shed some more light on these two covers as we talk about the common benefits that can be availed by each of these policies.

Why Health Insurance And Personal Accident Policy Is Important For Bike Riders

Benefits Of Health Insurance And Personal Accident Cover For Bike Riders

The following points will help you to understand the importance of having a health insurance and personal accident policy as a bike rider.

  • Hospitalisation Cover

The primary benefit of having health insurance and personal accident cover is the fact that it covers the costs of hospitalisation, surgery, and post-hospitalization recovery medical charges in case of an accident. Many health insurance plans come with a critical illness rider that will be useful in case of a medical complication arising out of an accident leading to partial, temporary or total disability, involving high costs of diagnosis and treatment.

  • Accidental Death Cover

Health and personal accident covers are useful in case the bike owner or the policyholder unfortunately dies. Both of these plans offer an accidental death cover that seeks to pay 100% of the total sum assured to the family members of the deceased policyholder, protecting them from a monetary crisis.

  • Partial Or Total Disability Cover

Injuries inflicted due to an accident can often turn fatal, leading to a partial, temporary or total disability of the bike owner. Sometimes, people are incapcitated to work under total disability and in such cases, a joint personal health and personal accident cover ensures that the policyholder is properly compensated as per the degree of their disability and provided a certain portion of their sum assured amount, offering the perfect cushion against any financial crisis.

  • Hospitalization Cash

In case of hospitalization due to an accident, a personal accident cover ensures the payment of a regular cash money to the policyholder as hospital allowance charges. While the time period for availing this money varies from person to person, it can usually be availed for a maximum period of 50 days of hospitalization.

  • Claim Assistance

Most heath and personal accident cover insurers offer this as part of a roadside assistance service and are available 24/7. It ensures that the claim process is quick and hassle free and there is no delay in the processing and reimbursement of the claim amount or the sum assured in case of an accident or injury requiring immediate hospitalization.

Take Away

You are now aware about the combined benefits of having a personal accident cover and a health insurance cover for bikers. Accidents do not arrive with an announcement. They can occur anywhere, anytime which is why it is so important to protect ourselves comprehensively against the injuries and high medical costs of treatment. A health insurance and personal accident cover will not only protect you against the injuries of an accident but also be useful for other medical emergencies.


Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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