12,000 household accidents are recorded every year and the majority of children requiring hospital treatment are victims of this kind of accident. PAI : Household accidents and physical injuryAlthough householders take every precaution necessary to secure their homes, the number of household accidents has not decreased
Despite the availabilty of advice, practical solutions designed to reduce accident and injury in the home and helpful leaflets and articles in magazines and on the internet, the implementation of such advice is much more complicated. A creased rug, a bare wire or an electric socket that children can access, detergents and other household products that can cause poisoning, a hotplate or a frying pan within reach of children…..There are so many scenarios that can lead to falls, serious burns, suffocation, electrocution or poisoning. In addition to taking precautions, it is very advisable to take out personal accident insurance cover to be sure of getting compensation in the event of household accident or physical injury. PAI : minimum cover availablePersonal accident insurance cover may be included in general household insurance or in health insurance.
If householders decide to take out basic personal accident insurance, they will receive compensation in the following circumstances:
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