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Does the Smart health insurance policy cover losses due to an accident or will I have to take a separate accident policy?

April 26, 2017Accident cover health insurance losses policy separate SMART

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Does the Smart health insurance policy cover losses due to an accident or will I have to take a separate accident policy?

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A health insurance policy covers hospitalization expenses or expenses incurred on treatment of injury as a result of an accident whereas a Personal Accident policy provides compensation for loss suffered due to accident. So, for a more comprehensive cover, you need to take both types of policies.