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Answer :
Group accident insurance is a type of insurance that is provided to employees (by their employer) to protect them from medical expenses incurred as a result of an accident at work.
A critical illness plan covers a specific disease or condition and pays you a lump sum after a covered illness is diagnosed. Cancer, organ transplant, heart attack, stroke, renal failure, or paralysis are all covered under critical illness plans. The policy is not intended to be a replacement for medical coverage, and some states may require the insured to have medical coverage in order to enroll. In some states, the policy or its provisions may differ or be unavailable.
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