Accidents can land you in hospital. It’s a risk you need to live with when you ride a bike. However, you can easily cover this risk with the right two wheeler insurance policy! That’s right, besides for compensating for damages occurring to your motorbike insurance can also help you recover from accident-related injuries and get you back on your bike faster. That is of course if you get a policy with the add-ons mentioned in this article. Read on to know about these add-ons are and how they can help you recover from an accident.
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Hospi Cash.
Depending on the nature of your injuries, you could be in the hospital for any amount of time. It could be a couple of hours to get abrasions dressed or it could be a couple of days before you get well again. Regardless, it is going to cost you money to seek medical attention. Hospi cash will help you with the funds needed. With this two wheeler insurance add-on, you get a fixed amount (that’s decided by you upon getting admitted) to cover up to 5 days of hospitalization.
Accidental hospitalization.
If you want more peace of mind, you can opt for the accidental hospitalization add-on. It will ensure the cost of medical treatment does not add to the pain of an accident. It does so by covering hospitalization costs for you and your occupants. Most people dread the idea of this add-on and realize its importance only after it’s too late. So remember to add this to your two wheeler insurance policy, it will give you an unmatched sense of assurance on every ride.
EMI protector.
This is a must for bike owners who have purchased their vehicle with a loan. In case of an accident, especially one that results in hospitalization, it can be difficult to cover the EMI of your vehicle loan. You have to first cover the cost of medical care –this is a significant cost to handle on its own, what with the price of such services being sky-high these days. Then you might take a few days off from work or business, thereby curtailing your income capacity. Juggling all this and also making EMI payments can become impossible. This is where the EMI protector can step in and make life easy. It will cover your EMIs for up to 3 months in case you are not able to do so.
These add-ons will help you cope with the cost of hospitalization after an accident. Most people skip on these add-ons thinking they’ll never need such protection. Sure enough, they might be safe riders and the chance that they meet with an accident may be very slim. But with the rise in vehicular traffic in India, the risk of accidents, especially the ones that aren’t your fault, are always on the rise. We hope this article has been helpful and gives you a reason to purchase one of the add-ons with your two wheeler insurance policy.
Good luck and ride safe!
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