{"id":6201,"date":"2017-03-07T23:28:30","date_gmt":"2017-03-07T15:28:30","guid":{"rendered":"https:\/\/wp-testing.eztakaful.com.my\/?p=6201\/"},"modified":"2017-03-09T00:09:40","modified_gmt":"2017-03-08T16:09:40","slug":"importance-personal-accident-insurance-plan","status":"publish","type":"post","link":"https:\/\/eztakaful.com.my\/en\/importance-personal-accident-insurance-plan\/","title":{"rendered":"The importance of having a Personal Accident Insurance Plan"},"content":{"rendered":"<p style=\"text-align: justify;\">Did you know that you\u2019re exposed to the risk of accidents every day, regardless of your age, gender or where you live? If you\u2019re not prepared to handle the worst case scenario of a serious or fatal accident, keep reading!<\/p>\n<p style=\"text-align: justify;\">Last week, we discussed <span style=\"text-decoration: underline; color: #008080;\"><a style=\"color: #008080; text-decoration: underline;\" href=\"https:\/\/wp-testing.eztakaful.com.my\/en\/personal-accident-insurance-whats-covered-whats-not\/\" target=\"_blank\">what\u2019s covered and what\u2019s not in a personal accident plan<\/a><\/span> and today we\u2019re going to talk about three important reasons for having a <span style=\"text-decoration: underline;\"><a href=\"https:\/\/wp-testing.eztakaful.com.my\/en\/\" target=\"_blank\">personal accident insurance plan<\/a><\/span> to protect yourself and your family.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #008080;\"><strong>1st reason: Financial and lifestyle protection<\/strong><\/span><\/h3>\n<p style=\"text-align: justify;\">You work hard to create a comfortable lifestyle for your loved ones, yet the cost of living keeps rising all the time. It can make it difficult for you to save a lot of money. Even if you do manage to put away something every month, one sudden accident could use up your entire life-savings.<\/p>\n<p style=\"text-align: justify;\">In fact, you could go into debt trying to cover the high hospital fees and costs associated with medication, therapy and more. Worse, an accident could leave you with a disability that prevented you from earning a wage. In this case, you would have the added problem of trying to pay your bills without an income.<\/p>\n<p style=\"text-align: justify;\">Now what if you didn\u2019t survive the accident? Yes, it can be difficult to think about what would happen to your loved ones without you, but it will be harder for them if you don\u2019t think about it. How would your family cover their everyday expenses? Who would pay for your children\u2019s education? Would expenses like home or car loans burden them? Naturally, you would never want your family to suffer &#8211; and that\u2019s why having a <span style=\"text-decoration: underline; color: #008080;\"><a style=\"color: #008080; text-decoration: underline;\" href=\"https:\/\/wp-testing.eztakaful.com.my\/en\/\" target=\"_blank\">personal accident insurance plan<\/a><\/span> is so important.<\/p>\n<p style=\"text-align: justify;\">In Malaysia, personal accident insurance generally provides a lump sum payout for death and total permanent disability. Cash benefits are also available to cover hospital expenses, medical bills, and other costs. These cash payouts can be used to pay for your accident-related expenses, your loss of income, and your family\u2019s bills, too. This money would become even more important if you were to die as a result of your accident. In short, it could help ensure your loved ones were able to maintain their existing lifestyle.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #008080;\"><strong>2nd reason: Insurance provided by your employer is limited<\/strong><\/span><\/h3>\n<p style=\"text-align: justify;\">If you\u2019re hoping that your company\u2019s insurance benefits will provide all the coverage you need, you may be disappointed. <strong>Usually, this type of coverage is only for hospital or clinic medical bills or it can only be claimed upon death or only for a total permanent disability. <\/strong>The truth is, your company insurance simply may be not enough to cover your financial commitments.<\/p>\n<p style=\"text-align: justify;\">Plus, remember that this <strong>insurance coverage is only provided while you\u2019re still working for the company<\/strong>. What if a disability prevents you from doing your job permanently? Will your employer still keep you on staff and allow you to receive company benefits?<\/p>\n<p style=\"text-align: justify;\">In situations like this, having <span style=\"text-decoration: underline; color: #008080;\"><a style=\"color: #008080; text-decoration: underline;\" href=\"https:\/\/wp-testing.eztakaful.com.my\/en\/\" target=\"_blank\">personal accident insurance<\/a><\/span> becomes an essential backup plan. Moreover, having additional personal accident insurance coverage allows you to <strong>claim additional amounts<\/strong> as one plan does not override the other.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #008080;\"><strong>3rd reason: Accidents are not predicable<\/strong><\/span><\/h3>\n<p style=\"text-align: justify;\">Unfortunately, no matter how careful you are with your life, you cannot control when, where or how an accident will strike. <strong>However, you can control the after-effects of an accident &#8211; if you have a plan in place that includes insurance coverage<\/strong>.<\/p>\n<p style=\"text-align: justify;\">With personal accident insurance, you\u2019ll always know that if an accident results in hospitalisation, disability or even death, the cash payouts can be used to cover bills and debts without burdening your family and affecting their lifestyle.<\/p>\n<p style=\"text-align: justify;\">Now that you\u2019ve learned about the importance of having a personal accident plan, you may decide that the benefits are worth the small monthly sum to protect yourself and your family.<\/p>\n<p style=\"text-align: justify;\">If so, you\u2019ll be pleased to know that at EZTakaful, our personal accident insurance plans start from as low as RM10 a month for coverage that\u2019s in effect 24-hours a day anywhere in the world. Moreover, our plans are 100% <span style=\"text-decoration: underline;\"><span style=\"color: #008080;\"><a style=\"color: #008080; text-decoration: underline;\" href=\"https:\/\/wp-testing.eztakaful.com.my\/en\/shariah-compliance-insurance\/\">Shariah compliant<\/a><\/span><\/span> and you can customise them by choosing add-ons that best suit your lifestyle.<\/p>\n<h3 style=\"text-align: center;\"><\/h3>\n<h3 style=\"text-align: center;\"><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/wp-testing.eztakaful.com.my\/en\/\">Click here for more info on EZTakaful plans<\/a><\/span><\/strong><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Did you know that you\u2019re exposed to the risk of accidents every day, regardless of your age, gender or where you live? If you\u2019re not prepared to handle the worst case scenario of a serious or fatal accident, keep reading! Last week, we discussed what\u2019s covered and what\u2019s not in a personal accident plan and &hellip; <a href=\"https:\/\/eztakaful.com.my\/en\/importance-personal-accident-insurance-plan\/\">Continued<\/a><\/p>\n","protected":false},"author":6,"featured_media":6202,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-6201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The importance of having a Personal Accident Insurance Plan - ezTakaful<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/eztakaful.com.my\/en\/importance-personal-accident-insurance-plan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The importance of having a Personal Accident Insurance Plan - ezTakaful\" \/>\n<meta property=\"og:description\" content=\"Did you know that you\u2019re exposed to the risk of accidents every day, regardless of your age, gender or where you live? 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