Urgent: AXA Launches New Accident Insurance as Winter Fall Risks Soar
Published: November 26, 2023 | By archyde.com News Team
As winter’s icy grip tightens, the risk of debilitating falls dramatically increases, especially for our elderly loved ones. Recognizing this urgent need, AXA Non-Life Insurance has today announced the launch of its ‘(Non-)AXA Simple Accident Insurance,’ a product designed to provide a crucial safety net against the financial and physical consequences of accidents, with a particular focus on fall-related injuries.
Protecting Seniors: A Growing Concern
Falls are a leading cause of injury and hospitalization among older adults. Even seemingly minor slips can result in fractures, head trauma, and a significant decline in quality of life. The insurance industry has been watching this trend closely, and AXA’s new offering is a direct response to the growing demand for accessible and comprehensive accident coverage. This isn’t just about financial reimbursement; it’s about peace of mind and ensuring swift access to the care needed to recover.
What Does AXA’s New Insurance Cover?
The ‘(Non-)AXA Simple Accident Insurance’ boasts a wide range of benefits. Beyond standard injury coverage, the policy addresses the often-substantial costs associated with diagnosis and treatment, including surgery. A particularly valuable feature is the inclusion of support for expensive diagnostic procedures like MRI and CT scans – a yearly salary-based coverage is available through special contracts.
For those concerned about the specific risks of falls, the insurance offers specialized coverage for a variety of fall-related injuries. This includes costs associated with casts, treatment at regional trauma centers for severe injuries, spinal injury surgery (including dislocations, sprains, and hyperstrains), and even surgery to repair damage to critical joints like knees and hips. This level of detail demonstrates a clear understanding of the types of injuries commonly sustained in winter falls.
Simplified Access for Those Who Need It Most
One of the most significant aspects of this new insurance product is its accessibility. AXA’s ‘Simple Accident Insurance’ is designed as a notification product, meaning it requires minimal screening. Individuals up to the age of 80 can qualify by answering just two simple questions, making it a practical solution for seniors and those with pre-existing medical conditions who may have previously faced barriers to obtaining insurance. This streamlined process removes a significant hurdle, ensuring that those most vulnerable to winter accidents can easily access the protection they need.
Beyond Insurance: Proactive Fall Prevention
While insurance provides a vital financial safety net, it’s crucial to remember that prevention is always better than cure. Experts recommend several steps to minimize fall risks during the winter months:
- Wear appropriate footwear: Choose shoes with good traction and support.
- Clear walkways: Remove snow and ice promptly.
- Improve lighting: Ensure adequate lighting both indoors and outdoors.
- Regular exercise: Maintain strength and balance through regular physical activity.
- Home safety check: Remove tripping hazards like loose rugs and clutter.
A Safety Net for an Uncertain Winter
As AXA Non-Life Insurance rightly points out, fall accidents are an all-too-common occurrence in winter, and the consequences can be devastating, particularly for seniors. This new insurance product isn’t just a financial instrument; it’s a proactive step towards safeguarding health and well-being. For those seeking peace of mind and financial protection against the unexpected, exploring the benefits of ‘AXA Simple Accident Insurance’ is a smart move as we head into the colder months. Stay informed and stay safe with archyde.com, your source for breaking news and essential life advice.
Reporter Noh Seong-woo, [email protected], originally reported this story for 세계비즈앤스포츠월드 & segyebiz.com.
