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From The Glossary »

Accident Cover:

Accident cover can be taken out as either a separate policy or as a rider benefit on a life assurance policy. It insures you against the effects of accidents or violent situations in which you may lose a limb, your eyesight, your hearing or even your life. It differs from disability cover in that should you for instance lose a limb and you are not permanently disabled; you will still be paid out the benefits of the policy.

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