Every time we say goodbye to our loved ones, we never think it could be the last time they see us. But accidents happen when we least expect them, leaving our loved ones in a lot of emotional stress. While there isn’t much we can do about that part of life, we can certainly choose the right health insurance coverage to help us during those times of uncertainty.

Accident cover is the best solution for when life happens but, without proper understanding of how the claim process works, it could be challenging and frustrating. By following the steps outlined in this guide, you can successfully claim from your accident cover and ensure your family is protected in the event of an accident.

First let’s help you understand the importance of accident cover.

Understanding Accident Cover and Its Importance

Accidents come with financial burdens which is why Accident Cover is important to have. When you or a loved one get involved in an accident, you may need to stay in the hospital for several days or weeks. Without the right coverage or no coverage at all, you may have to pay thousands of Rands out-of-pocket.

Accident Cover is meant to help you lessen the financial stress that comes after having an accident. Take Sipho for example. He had worked for a mining company for years. As a “ground breaker” he handled heavy machinery almost every day. One day, due to some unforeseen circumstances, he got badly injured while busy operating the machinery and was rushed to a hospital. On arrival he told the doctor he had Accident Cover. He was told not to worry, and his medical expenses were taken care off.

Unfortunately, even after recovering, he was told he could not return to work or work in an environment that would require him to use his strength. As a family man, he had to find other ways to make an income. Courtesy of his Accident Cover plan, he got a lump-sum that will keep him afloat for the time being.
Sipho’s scenario is how Accident Cover works. It takes care of you from the time of the accident and pays a lump-sum in a case of disability or even death. You can imagine the peace of mind of knowing you do not have to worry about medical expenses.

Key Factors to Consider When Choosing Accident Cover

Choosing accident cover with the right benefits means looking at some important factors to help you make a more informed decision. These factors include:

• Premiums you pay monthly
• Limits and Exclusions to what you are covered for
• Additional benefits that will help with maintaining mental and financial wellness for you and your family.

It is also very important to go through quotes from different providers to find a cover that will work best for you and your family.

Steps to File an Accident Cover Claim

For Medical Insurance, there is no real claims process that you need to go through because the Insurance provider will communicate with your health care provider to deal with claims. That is an advantage because it means you do not need to worry about endless claim processes. However, there are cases where you will need to claim and it’s important to know what tips to use for an easy claim process.

Tips for a Successful Accident Cover Claim

Increasing the chances of a successful accident cover claim involves understanding what it is you are covered for. Many claims are rejected because of little information of the limits and exclusions.

Here is a checklist of scenarios excluded from Accident Cover:

Accident conditions not covered under accident cover:

1. Intentional self-harm
2. Misuse of drugs
3. Failure to follow any medical advice

There are other conditions that are excluded from coverage of an accident cover. But with some insurance providers, you can also add to your coverage and make it more comprehensive by purchasing buy-ups.

Accidental death and disability claims

In some cases that involve a loss of life, or a disability caused by an accident which qualifies for cover, you will need to claim. All you need is the right documents including a death certificate where required, a doctor’s accident report where needed, Identity Documents belonging to the person claiming and a claim form.

Stay ahead of accidents for peace of mind

Filing an accident cover claim doesn’t have to be a daunting process which is why with some providers, there is no need to claim as that is taken care of on your behalf. But in the case where there is a need to claim, you need to understand the importance of accident cover and its coverage. This guide can help to navigate the claims process effectively and ensure you receive the coverage you deserve. Remember, your family’s peace of mind is worth the effort.

Not all Accident Insurance plans are the same and benefits as well as limitations may vary. Descriptions of benefits given are meant to be for general educational purposes only and you must ensure that you seek the advice of a broker to ensure any product choice you make suits your individual needs.