Many people think personal accident insurance only covers severe accidents requiring hospitalisation. But did you know it also covers minor mishaps?
Personal accident insurance offers financial protection in the event of accidental injuries. It covers medical expenses, disability, and sometimes even death benefits. This type of insurance provides support for treatments, hospital stays, and rehabilitation, regardless of the severity of the injury.
Minor injuries are non-life-threatening and typically heal with minimal medical intervention. They may cause discomfort but rarely lead to long-term disability or major disruption in daily life. Minor accidents that can be claimed with personal accident insurance are as follows:
1. Injuries from sharp objects
If you get cut by sharp objects like knives, broken glass, or sharp-edged furniture, you can file a claim for injury under your personal accident insurance. Even though such wounds may seem minor, they often require stitches, antiseptics, or a quick hospital visit. PA insurance ensures that the cost of treatment is covered, saving you from out-of-pocket expenses. This gives you peace of mind during everyday mishaps at home or work.
2. Animal bites
Injuries from animal bites, whether from a pet dog, cat, or stray animal, are often sudden and unexpected. These bites can lead to infections, require tetanus or rabies shots, and result in medical expenses. Fortunately, you can claim for injury caused by animal attacks under this personal accident coverage to help reduce the financial impact of treating these incidents, whether they happen at home or on the street.
3. Stubbed toe or bruises
Accidentally stubbing your toe on furniture or bumping into a hard surface can lead to bruising, bleeding, or even a broken nail. Though these injuries seem small, they can be surprisingly painful and may need medical attention. Personal accident insurance allows you to claim for injury even in these everyday scenarios. It’s a good reminder that even minor incidents deserve compensation when they disrupt your routine.
4. Sports injuries
If your policy covers recreational or extreme sports, you can claim for injury sustained during activities like football, biking, or even rock climbing. Minor sprains, bruises, or cuts are common, and some may require first aid or clinic visits. Personal accident insurance helps ease the burden of treatment costs so you can focus on recovery. Always check if your policy includes your sport of choice to make sure you’re protected.
5. Fish bone stuck in throat
Swallowing a fish bone is a common yet overlooked accident that can lead to throat irritation, internal cuts, or even infection. While it may not sound serious, removing the bone might require medical intervention. Personal accident insurance recognizes this as an accidental injury, so you can claim for injury if it happens. It’s an example of how even everyday meals can lead to unexpected medical issues.
6. Burn injuries
Burn injuries, whether from hot liquids or kitchen mishaps, are eligible for a claim for injury, as long as they’re not caused by reckless behaviour. Burn injuries can be categorised based on their depth and size:
- First degree burn: Minor injury affecting the outer layer of the skin, usually healing within 7 days without leaving scars, such as sunburn.
- Superficial second-degree burn: More painful than first-degree burns, may have clear blisters, and typically heal within 14 days if treated properly.
- Deep second-degree burn: Affects deeper layers of the skin, causing significant pain and requiring a longer healing time.
- Third Degree Burn: The most severe, destroying all layers of the skin. The injured person may not feel much pain because the nerve endings are damaged. Treatment may involve removing dead tissue and skin grafting.
Regardless of the severity of the burn, you can claim personal accident insurance as long as the injury is not due to reckless behaviour or voluntary exposure to danger.
7. Slips and falls
Common among children and the elderly, slips and falls can cause injuries ranging from minor bruises to severe fractures, depending on the impact. If the fall results in an injury, you can claim for injury through your personal accident insurance. Timely reporting and medical documentation will help support your claim.
8. Dropping your phone on your face
Dropping your phone on your face while lying down might sound silly, but it can actually cause a broken nose, chipped teeth, or eye bruising. If the injury requires medical attention, it qualifies for a claim for injury under your policy. This shows that personal accident insurance can cover even the quirkiest of mishaps. It’s a reminder that no accident is too small to be taken seriously.
9. Battery explosion while charging
A phone or gadget battery that explodes while charging can result in cuts, burns, or eye injuries. These accidents are unpredictable and may require urgent medical care. If you’re injured due to a battery explosion, you can claim for injury through your personal accident insurance. It ensures you’re financially protected from tech-related hazards, even when you’re just at home.
10. Burns from a hair-styling tool
Accidentally burning your ear or hand with a curling iron, straightener, or blow dryer is a common beauty-related injury. If the burn is severe enough to need medical care or leave scarring, you’re eligible to claim for injury. Whether it happens at home or a salon, your PA insurance can step in to help with medical costs. This coverage is especially helpful for those who frequently use heat styling tools.
Personal accident insurance from Roojai allows you to customise your coverage plan to suit your lifestyle. It’s easy and convenient to purchase online 24/7, with premiums starting at just THB 61 per year. No need for upfront payments, as we have over 400 affiliated hospitals and clinics nationwide.
To be able to file a claim for all the minor injuries mentioned above, the insured must be fully conscious and not under the influence of alcohol or drugs, not involved in a fight, and not engaging in reckless behaviour or voluntarily putting themselves at risk. The medical benefits will depend on the plan chosen by the insured.
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