Does A Stay-At-Home Mom Need Personal Accident Insurance in Singapore?

Does A Stay-At-Home Mom Need Personal Accident Insurance in Singapore?

As a stay-at-home mom, you must have not been thinking about your need for personal accident insurance. And, it’s not only you in this. It is always believed that the working member of the family who heads out for work every day needs accident insurance. The fact is that accidents can happen to anyone, anywhere. A single misstep while climbing the stairs can result in a fracture which may also confine you to bed for numerous weeks. This form of injury can come up with expenses during treatment and recovery.

Therefore, while being a stay-at-home mom, you could require a personal accident insurance plan. This insurance coverage does a lot more than simply covering you from injuries sustained during accidents. Read further to understand the several advantages a personal accident insurance policy holds for you.

 Coverage for infectious diseases Infectious diseases spare no one, whether or not you're the breadwinner heading to office daily or a homemaker caring for the family. Having an accident insurance policy keeps you secured against various types of infectious diseases in Singapore, such as anthrax infection, chikungunya, dengue fever, HFMD (hand, foot, and mouth disease), malaria, measles, mumps, rabies, rubella, yellow fever, and lot more conditions.  Accidental death benefit Personal accident insurance pays out a death benefit to the policy nominees if the insured individual passes away tragically upon meeting with an accident. This pay-out can provide help to your kids in case you unluckily pass away earlier than they grow up.  Daily cash pay-out Being admitted to hospital after an accident can result in many extra expenses other than the actual price of treatment. While your health insurance looks after the charges of hospitalisation, you could experience an extra advantage from purchasing a rider on top of your base personal accident insurance plan which provides a day by day cash allowance that you could spend as you deem necessary. You can use this cash to pay for transport charges incurred by your spouse to the health facility or maybe for any miscellaneous charges that rise up while you are admitted in the ICU.

 Reimbursement for home modification An accident may leave you on wheelchair for a long period. In this case, you would possibly want to have few changes accomplished at your home for ease of access. For instance, you would possibly want the cabinets and drawers reduced so you can reach out to the things while you are alone at home. As known, charges for such changes may be indeed unaffordable after they crop up suddenly. To manage such charges, simply go for a rider on your personal accident insurance plan on the way to reimburse you for any charges incurred in home changes required because of your accident.  Global insurance Leading insurance companies in Singapore provide personal accident insurance policies which have international coverage. So, even in case you travel overseas along with your partner on holiday, you could experience genuine peace of mind knowing that you're safeguarded by insurance.

As we are able to see, a personal accident insurance coverage holds many advantages for a stayat-home mom. Do speak to your partner and sign for this insurance immediately.

Take care.

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