Body Part Insurance

Some people might find that this is an uncommon type of insurance. Body part insurance only gives cover to some particular selected limbs. body part insurance is commonly associated with celebrities and this is true that so many celebrities buy body part insurance to give protection to their limbs such as nose, legs, eyes or even some bizarre parts of their bodies like mustache, chess hair and even smile.

although it’s uncommon for some people this type of insurance could be important to have not only for celebrities who rely on their beautiful appearance to make a living but also for the people who earn their income from the use of their particular limb such as musician, athlete, surgeon etc.

Body Part insurance can be obtained as long as it is proven that the loss of use of the body part insured would cause the loss of work and income, and the insurance only pays out financial compensation for any damage that causes the loss of work.

The sum insured as well as the premium for body part insurance usually has a high value, although the cover offered by the policy can be vary body part insurance can typically be insured for any value - usually high value. Usually there are no set cover for this kind of insurance, premiums are calculated based on the individuals and how the damage of the limbs could affect their income.

Counseling is commonly included in the policy to help the victim to deal with emotional trauma after an accident. Claim can be filed if the policy holder suffers a permanent or temporary disability of the limb insured or in some cases scarring or disfigurement to the limb if it is proven to have a bad effect on the policy holder’s ability to work. The claiming for body part insurance can be very strict and the policy holders often find that the potential payout is not generous considering that this is an expensive policy.

Not every insurance company sells body insurance this type of insurance usually provided by specialist insurers. However, although it has an expensive premium body part insurance is not designed to insure your whole body. If you want the protection works for your whole body maybe you can purchase a comprehensive life insurance instead of a body part insurance.