Covers personal accident insurance accidental death and permanent disability (entirely or partially) and other risks – only – by accident. Personal injury, that insured may suffer from sudden and violent form, direct and involuntary causing bodily injury or death. If you require a damage caused by accident, can ensure this type of insurance, up to now, the medical treatment. It is one of the branches of “insurance”, which ensures compensation to the insured or beneficiaries if a reporting risks will become a reality. The accident and its consequences, has no sinister (one or more of the risks set out in the insurance contract). Therefore, there are several personal injury claims which were not covered by the warranty.
In the case of tripping, which balances the person before falling, or drop in, they do not suffer any damage, despite being sore. Personal incidents that cause no damage or only temporary damage, there is no insurance coverage. The example above (or similar cases, is understood as personal accident) doesn’t fit in the selection of three class of deposit: accidental death and permanent total disability and permanent partial disability. It is important to note that occupational diseases, even personal accident, did not have insurance coverage. It also does not include complications of medical treatment, surgery and clinical examination when not due to injury.