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Looking for a personal accident cover? Here are 5 key points you should keep in mind before going for one.

1) This policy offers compensation in case of disability to the insured person, as a result of an

accident.

2) The primary purpose is to protect temporary or permanent reduction in income, arising out of

accidents.

3) It covers permanent disability like paralysis and loss of limb and temporary disability like

fractures.

4) The premium depends on an assessment of risk at the workplace, and the extent of

coverage. This can be added onto life insurance policies too.

5) Death or injury due to any illness or disease is not covered under this insurance, even if such disease might be linked to the nature of the job.