e:["$","div",null,{"className":"page_insurancePageContainer__Oh2Z5","children":["$L17",["$","div",null,{"className":"circles_circlesContainer__UBexf","children":["$","div",null,{"className":"circles_circles__z7GTO circles_left__ljBNB","children":["$","$L18",null,{"src":"/ellipse1.svg","alt":"green-circles","width":100,"height":100,"loading":"lazy"}]}]}],["$","$L19",null,{"title":"Personal Accident Insurance","breadCrumbsParents":[{"name":"Products","url":"/en/all-products"},{"name":"Other","url":"/en/all-products/other-insurance-products"},{"name":"Personal Accident Insurance","url":"/en/all-products/other-insurance-products/personal-accident-insurance"}],"backgrounImage":"https://web-cdn.neova.com.tr/img/page/ferdikaza-11-21-2024-15-06-26.webp?x=0&y=102,5&w=1920&h=300&ext=jpg","breadCrumbActive":true,"minHeight":"300px"}],["$","div",null,{"className":"InnerPageWhiteNavLinks_pageNav__oaQUL","children":["$","div",null,{"className":"container","children":["$","ul",null,{"className":" InnerPageWhiteNavLinks_pageNavContainer__jo80X","children":[["$","li","0",{"className":"","children":["$","a",null,{"href":"#innerSection-2","children":"Product Description"}]}],["$","li","1",{"className":"","children":["$","a",null,{"href":"#innerSection-4","children":"Coverages"}]}],["$","li","2",{"className":"","children":["$","a",null,{"href":"#innerSection-7","children":"Frequently Asked Questions "}]}]]}]}]}],[null,["$","section","1",{"id":"innerSection-2","className":"page_section-top-sm__Uz8tt page_section-bottom-xs__vhU4X","children":["$","div",null,{"className":"container page_maxAuto__E_l0w","children":["$","div",null,{"className":"pageTitleSection_pageTitle___XPXC","children":[["$","h3",null,{"children":"What is Personal Accident Insurance?"}],["$","div",null,{"dangerouslySetInnerHTML":{"__html":"

Personal accident insurance is a financial solution designed for individuals who want to protect themselves against the financial risks of daily accidents. It provides compensation for disability or death in the event of an accident, ensuring protection not only for the insured but also indirectly for their family members.

In cases where a parent dies or suffers permanent disability due to an accident, personal accident insurance can cover their children's educational expenses. Payments made within the policy's coverage limits help prevent the insured's family from experiencing financial difficulties caused by the accident.

Banks may sometimes require a personal accident insurance policy with coverage equal to the loan amount as a prerequisite for granting credit. This ensures that any debt owed to the bank is covered in the event of the insured’s disability or death, eliminating the risk of additional financial burden on the insured or their family.

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The primary coverages offered by personal accident insurance include:

Death
Permanent disability

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In addition to these primary coverages, policies may also offer additional coverages such as:

Medical expenses
Daily compensation
Earthquake protection

These additional coverages can be included or excluded from the policy based on preferences within the specified policy limits. For example, the medical expenses coverage ensures reimbursement of treatment costs for up to one year after the accident, within the policy limits.

While additional coverages are generally straightforward, the concept of daily compensation warrants further explanation. Daily compensation provides payment for the specified daily amount in the policy if the insured is unable to work due to an accident. This compensation is paid for up to 200 days after the insured starts treatment until they are fit to work again.

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In the event of any damage to your policy, you can call 444 1 636 Neova Insurance Hotline as soon as possible to report the damage.

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The most curious and frequently asked questions about personal accident insurance.

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Personal accident insurance provides financial protection in the event of death or temporary or permanent disability caused by an accident. It ensures that the insured secure their financial stability if they survive an accident and their loved one's financial well-being in the event of death.

The insurance covers a wide range of incidents, from traffic accidents to minor household injuries, and offers protection against injuries, partial or total disability, and death.

The benefits outlined in the policy help injured or disabled individuals manage medical treatment costs. In case of the insured's death, their legal heirs are entitled to receive the death compensation.

"]},{"title":"What does Personal Accident Insurance cover?","content":["

Personal accident insurance protects individuals against the risks of unexpected accidents. It can include additional coverages like earthquake, flood, and landslide protection.

The primary coverages include disability and death:

In cases of permanent disability caused by an accident, the insured is entitled to compensation specified in the policy for permanent disability.
In the event of accidental death, the insured’s legal heirs receive death compensation as per the policy’s terms and limits.

"]},{"title":"What are the General Conditions of Personal Accident Insurance?","content":["

For detailed information on the general conditions of personal accident insurance, click here.

"]},{"title":"Is Personal Accident Insurance mandatory?","content":["

Personal accident insurance is not mandatory. Anyone can choose to purchase this insurance by discussing the coverage and terms with the provider. Personal accident insurance costs vary depending on the coverage and additional benefits included in the policy.

"]},{"title":"Who can buy Personal Accident Insurance?","content":["

Personal accident insurance provides essential financial security against unforeseen accidents and is available to anyone who wants this protection. It is especially significant for individuals exposed to higher risks in their daily lives or professions.

"]},{"title":"What should I consider when purchasing Personal Accident Insurance?","content":["

When purchasing personal accident insurance, consider the following:

Accuracy of information: Ensure all provided information is accurate, as the claim process depends on the details in the policy. Incorrect information may prevent compensation.
Coverage scope: Check which types of accidents are covered and under what conditions compensation is provided.
Coverage amount: Verify if the coverage limits are sufficient to address potential financial and emotional losses in worst-case scenarios.
Special conditions: Review the policy’s specific terms and ensure they meet your needs and expectations.
Premium amount: Compare the premium costs relative to the coverage and benefits provided.

"]},{"title":"What qualifies as an accident?","content":["

In general terms, an accident is defined as a sudden and external event that causes death or physical harm to the insured without their intent. The following are also considered accidents:

Inhalation of unexpected harmful gases
Burns, sprains, or nerve injuries resulting from sudden movement
Poisoning caused by snake or insect bites
Death or bodily harm caused by rabies following an animal bite

Traffic accidents are also considered sudden and unexpected external events and are covered under personal accident insurance.

"]},{"title":"What is not considered an accident?","content":["

The following are not classified as accidents under personal accident insurance:

Illnesses and conditions resulting in death or disability
Frostbite, sunstroke, or blisters not caused by an accident
Suicide or attempted suicide
Incidents caused by alcohol, drugs, or harmful substances
Death or disability caused by non-essential surgeries, including complications from medical interventions not necessitated by an accident

"]},{"title":"What should I do in the event of a claim?","content":["

If you hold a Neova personal accident insurance policy, you or a family member can report the incident to the Neova Insurance Hotline at 444 1 636. The insured or their beneficiaries must notify the insurer within five days of the incident.

In their notification, they should specify the accident's location, date, and cause and provide a detailed report from the treating doctor regarding the injuries and potential outcomes.

Immediate steps should be taken to begin treatment and ensure the injured party’s recovery. The insurer has the right to monitor and verify the insured's medical condition, and the insured must allow these assessments.

"]},{"title":"Can I cancel Personal Accident Insurance?","content":["

Yes, personal accident insurance can be canceled. Review the policy terms to follow the appropriate steps. After cancellation, the remaining premium for the unused term is refunded, but it is important to note that you will no longer have coverage against accidents.

"]},{"title":"Should I get Personal Accident Insurance if I already have Life Insurance?","content":["

Although personal accident and life insurance share some similarities, they are distinct types of coverage. Personal accident insurance only provides protection in cases of accidental death or disability, whereas life insurance covers all causes of death. Life insurance holders can also access health services for illnesses, but for personal accident insurance to cover medical expenses, the insured must be injured in an accident.

"]},{"title":"How are Personal Accident Insurance premiums determined?","content":["

Several factors influence the cost of personal accident insurance, including the insured's age, occupational risks, and working conditions. Additional coverages and higher coverage amounts also impact the premium.

For instance, individuals working in high-risk jobs will have higher premiums than those in lower-risk occupations. Similarly, those opting for broader coverage will pay more. The premium reflects the balance between the risks and the level of coverage provided.

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