What types of dismemberment are typically covered under personal accident insurance?

Personal accident insurance is designed to provide financial protection in the event of serious injuries resulting from accidents. The types of dismemberment that are typically covered under this type of insurance include the loss of limbs, such as arms or legs, and the loss of senses, particularly sight. These are considered significant injuries that result in considerable impairment and affect a person's daily functioning and quality of life.

Coverage for loss of limbs is critical, as it often necessitates extensive medical care and can result in long-term disability. Similarly, the loss of sight can drastically alter a person's ability to perform everyday tasks, making it essential for insurance to provide support in such severe circumstances.

In contrast, options that mention minor injuries like bruises or abrasions, injuries requiring physical therapy, or less severe conditions like fractures and sprains typically do not meet the criteria for dismemberment in the context of personal accident insurance, which emphasizes the more debilitating consequences of accidents.