Accident Insurance Plans – Accident insurance plan is essential as it secures the whole family against unfortunate death or injury due to an accident. Accident insurance policies provide cover against accidental death,permanent total disablement ,permanent partial disablement, temporary total disablement. It also provides educational grants , ambulance charges and other benefits. Accidents are unpredictable and may lead to financial stress besides other worries. It also entitles the policyholder to a fix payout in case of injury or death due to an accident. Example -Individual and Family accident care insurance policy,