We all know that insurance is essential in our lives and a very good investment too. Life insurance can be used by our family members when we passed on; health insurance is to cover our health emergencies and medical needs. However, we should also be aware of other personal policies that we can benefit from. br br We do not know when an accident would happen. It may be at home, at work or while on the road. You can never plan what to do before an accident but you can very well prepare financially for such situations. br br Insurance companies such as Axis Capital Group - with a group of companies that branch out from its main office in Bermuda to America, Europe and Singapore - offer personal accident insurance with the assurance to provide for your emergency needs. br br Imagine all the expenses you have to pay when you get into an accident: medicines, doctor fees and hospital bills among others. Sure, you have your health insurance but we all know it cannot cover all the expenses. If you have an accident insurance plan, you can protect yourself against financial consequences.