There has been a rise in the number of fatal accidents leading to death or disability that are occurring in India in recent years. A personal accident insurance policy though not preventing the accident from taking place provides a soft cushion for the insured. This is because it provides benefits in case of partial and total disability, as well as death benefits. It also caters for ambulance and hospitalization costs and repair costs for damaged property and vehicles. The best personal accident insurance policy protects you and your loved ones from various types of accidents such as: • Road accident • Rail accident • Aircraft accidents • Drowning • Mutilation and impairment due to burns among other situations. As per terms of the policy, it protects your family from any uncertainties that may arise by providing compensation in case of death or short-term impairment that may limit income generation.