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Accident microinsurance provides financial protection against direct accidents resulting in injuries (permanent or temporary disability) or death. This policy covers death due to accidents, permanent disability of one or both hands or legs, permanent loss of vision in one or both eyes, permanent hearing loss in one or both ears, inability to speak permanently, or severe spinal injuries leading to permanent impairment.
Accident microinsurance is classified into two types:
a) Personal Accident Microinsurance
b) Group Accident Microinsurance
