Personal Accident Insurance and Health Insurance: What’s the difference?

If you’ve got a health insurance plan in place, you probably haven’t considered the benefits of additional personal accident cover. Discover the difference between the two products and how they can benefit you.

While nobody likes the idea of getting into an accident, it’s better to be prepared for unfortunate realities. There are various ways that you could become injured or disabled. Accidents can range from car accidents to simply misjudging your step and taking a bad fall. Insurance is a great way to help minimise the worries associated with life’s unpredictable curve balls.

 

While your health insurance might have your hospital or healthcare needs covered – who will take care of the other financial burdens? These could include loss of work or inability to create income, legal assistance, and recovery care. The severity increases should you become permanently disabled or pass away.

So, what will your health insurance cover you for and how can personal accident insurance help fill in the gaps?

Health insurance cover

Depending on your specific plan, health insurance will offer wider medical coverage for your in-hospital and general health care costs. Doctor’s visits, chronic medicines, or surgeries are just some of the common health care services covered by a health insurance plan. If you are involved in an accident and need medical attention, this is where this product comes into play. Your health insurance provider will cover hospital fees, medical procedures, and medicines.

The benefits of Personal Accident cover

Personal accident cover is more specific insurance designed to cover additional expenses incurred as a result of an accident. Your health insurance plan won’t offer benefits beyond healthcare such as disability and death coverage. Personal accident cover can however help prevent you or your family from carrying some of the major additional financial burdens incurred. These include:

  • Loss of income due to death or disability.
  • Legal assistance needed with Wills and Estates in the event of death.
  • The repatriation of mortals remains. This means that if you were to pass away in an accident far from home, we’ll make sure that you are transported back to your place of residence. Your family won’t have to cover these costs ahead of the necessary funeral arrangements.
  • Personal accident cover from Bidvest Insurance gives you peace of mind that should you find yourself in an unfortunate accident, these extra financial needs will be covered. With this policy, you will receive a cash payout to use as you wish to get through your difficult time. If you were to pass away due to an accident, your family would receive financial support to help them get back on their feet.

Other benefits include:

  • Additional payout for a commuter related accidental death (such as a taxi or car accident).
  • Extra cover for accidental hospitalisation.
  • Emergency medical assistance.

While it’s better to have health insurance in place, Personal accident cover from Bidvest Insurance does provide the dual benefit of offering certain health care cover on top of death and disability cover.


Ready to get covered? Request a quote today.

Cover for you and for your car.

Bidvest Insurance offers a wide range of insurance products to meet both your personal and vehicular needs.

Insurance options for you:

  • Cyber Rescue
  • Panic Alert
  • Legal Angel
  • Personal Accident Insurance

Insurance options for your car:

  • Scratch and Dent
  • Tyre Angel
  • Theftbuster Plus
  • Warranty
  • Driver Assist
  • Key Angel

Simply complete your details so a Bidvest Insurance consultant can call you back to assist you.

We understand how important your privacy is and will protect your personal information. By providing your details above you are agreeing that we may contact you regarding this quote. This is to ensure that you get great service! To find out more please visit our Privacy Policy.

Latest Articles

Scratches denting your smile?

Scratches denting your smile?

Keep your car looking as good as new. You just got home, and as you’re about to go inside you decide to take one last glance back. This is soon followed by a proud grin. If you own a car, this is a feeling you know all too well. It’s not just a car. It’s your hard...

read more
Going through a divorce?

Going through a divorce?

Don’t lose more than you already have. People are creatures of habit. When it comes to letting go of certain habits and routines that have been part of your life for some time, you’ll probably struggle. That’s the thing about divorce. It’s not just the bond and the...

read more
Roadside Assistance: Don’t get stuck on the side of the road

Roadside Assistance: Don’t get stuck on the side of the road

Roadside Assistance from your Bidvest Insurance Mechanical Warranty policy Roadside assistance is an essential when you’re driving on South African roads. Mechanical Warranty is an insurance policy that puts you and your wellbeing first. Car troubles are a significant...

read more