This insurance is an integral part of health insurance and is designed to replace a substantial part of earned income lost through disability caused by accidental injury and also may provide for payment of medical expenses occasioned by accidental injury and indemnity for death or loss of limbs or sight suffered through accident. In other words, under this insurance, the insurer agrees to pay the insured or to his heir or legal representative in case of death, a stated sum of money in the event of his being killed, permanently disabled, temporary total or partial disablement by accident. Generally, this policy is issued for a period of 12 months but it can also be issued for less than two months.
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