This kind of insurance especially suitable for self-employee / part-time worker...that means you have no income while off work. But it is payable due to accidental injury. Besides, some companies limit the benefit is payable at least 3 or even 7 days of injury leave certified by doctor. Moreover, the premium depends on the average income times a rate.....frankly it is quite expensive. Imagine that when you get injury and have to rest at home, do you still have income? If yes, it's not what you must have.
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