Personal Accident (PA) insurance and Health Insurance are two distinct but often complementary forms of protection. While both offer financial security during medical emergencies, their scope, purpose, and payout structure differ significantly. Understanding these differences is crucial for creating a comprehensive safety net.

In essence, Personal Accident insurance acts as a crucial income replacement tool and financial cushion specifically for the life-altering consequences of an accident, complementing the medical expense coverage provided by health insurance.

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