Nowadays, unfortunately, our personal or family security does not depend only on us. In our environment there are many factors that can lead to a accidentwhich can happen at any time being in our home, school, our work, on the street, walking our pet or on vacation, and the result can be minor or major injuries. That is why having Personal Accident Insurance is vital these days.
What is an accident?
The definition of accident is detailed as: “act or fact that is caused by external agents in a sudden, fortuitous, violent and involuntary manner that results in bodily harm”.
In this sense, it can be said that life on the road is very diverse and, in many ways, full of complexities, which is why there is a constant call for motorist liability.
In fact, data from the National Institute of Statistics and Geography (INEGI) reveal that, in Mexico, in 2020 (the year of the pandemic), some 301,678 were officially reported. accidents, of which 245 thousand 297 registered only material damage (81.3 percent); 52,954 injured victims were identified (17.6 percent), and the remaining 3,427 accidents correspond to events with at least one person deceased (1.1 percent).
It is so, equinox Committed to supporting your family and business assets, it offers you the best advice and different alternatives within your reach. ¡come closer with the experts!
In Mexico, according to what is published by the INEGIjust under 80 percent of the Mexican population has a medical expenses insurancea figure that, although encouraging, also speaks of a gap that is important to cover.
That is why, having coverage that covers certain eventualities or accidents where your health or that of your family is compromised, guarantees your financial security, since the sure It allows you to receive financial compensation that can help you cover the needs that arise in the event of death or disability due to an accident.
with an insurance personal accidents You can add coverage such as: disability, organic loss, daily income for hospitalization, burial expenses, reimbursement of medical expenses due to accident and assistance.
In the insurance industry There are various levels of sum insured and the premium to be paid can be determined by: age, line of business or activity, type of coverage (sports, work, school, 24 hours, etc.).
The accident insurance It can be contracted for company collaborators, students, teachers, athletes, delivery people, travelers, managerial positions, short-term events, domestic staff, among others.
It is important to state that, at the time of hiring a personal accident insuranceyou can choose to participate or not in the payment of the deductible, remembering that the deductible is a fixed amount of money that will be your responsibility in the event of an accident, get advice from your insurance agent.
In equinox We have trained personnel in the field who can answer all your questions and help you hire the plan that best suits your needs.