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Can people be declined of the personal accident insurance based on his/her occupation?

I work as a construction worker and I have been involved in numerous minor accidents and not what I am getting old, I am afraid that something worse might happen so I'm planning to get myself a personal accident insurance. Do insurance companies decline people with occupations that have a high risk of injury like mine?

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    Sad to say that people with hazardous occupations or people with occupations that are prone to accidents are declined by the insurance companies. Examples of these occupations are construction workers, fire fighters, police, military, divers pilots, aire crews, ship breakers, ship crew, and more alike.

    2020.03.24 15:44

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I got hit by a vehicle, I need my insurance from my country.

Check your insurance if you avail an insurance for overseas, most insurance have overseas category or listed with it. So most likely you can use your insurance wherever you go. Having insurance before going out of country is one of the best choices that you might make. Safety from travels can lessen your burden and might help you with your future tours.

I have been fraud by the insurance company.

Insurances companies comes from different countries that have different branches from all over the world. But there are companies who offers insurance that has great offers that will lure you to them. It is not a good thing to invest on insurance companies that seems fishy. Always background check the insurance company before availing one. If you know a insurance company that is a fraud, report the to the authorities for them to handle.

What is a Personal Accident Insurance?

Personal accident insurance pays you either a lump sum or reimbursements for out-of-pocket expenses in case of injury, disability or death resulting from an accident. Unlike medical insurance, the premiums are fixed, and you do not need to undergo any medical examination before the policy is incepted. The basic coverage are accidental death and or disability, children and medical reinbursement.

What auto insurance will reassure me that my family will be able to use the money I saved in case I died unexpectedly?

Be reassured with the insurance that you have by making sure that you read the contract thoroughly. There are ways where life insurance is not applicable or will not cover the death. First, is when the cause of death is suicide. It will also not cover when there are health-related issue to the death nor when illegal activities where done. There are some cases wherein the insurance will not be applied because it is outside the country. When a person also died because of armed conflict. Always make sure that you read what you have signed because we do not want every effort will not pay off.

What is the scope of those accident insurance?

There are a bunch of different kinds of insurances. In this situation, if she has medical insurance, it is covered by it. Having insurance is a good thing to have for emergencies like this. You can use your insurance most of the time in times of need. Having different kinds of insurance is not a big deal, it is just for your security.

The property that I have is going for closure, but I recently got my insurance.

There are cases that we are evicted from our properties because the land lord have not settled its mortgage with the bank that needs to be paid as soon as possible. In his situation, he just availed a home insurance and got evicted. Your insurance company cannot deal with foreclosure. But when you find a new property, you can tell your insurance your situation.

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