A personal accident insurance policy typically includes coverage for both partial disability and full disability resulting from accidents. Here's an explanation of these two types of coverage:

1. Partial Disability Coverage:
Definition: Partial disability coverage comes into play when an accident results in an injury that hinders your ability to perform some of your regular job duties but does not render you completely unable to work.
Benefits: If you experience partial disability due to an accident, the insurance policy will provide you with compensation. This compensation is typically a percentage of the policy's total disability benefit, and it's paid regularly (e.g., monthly) for a specified period.
Example: If you injure your hand in an accident and can't perform fine motor tasks required for your job, but you can still perform other tasks, the policy would provide partial disability benefits to help cover lost income.

2. Full Disability Coverage:
Definition: Full disability coverage applies when an accident causes an injury or condition that completely prevents you from working at all, either temporarily or permanently.
Benefits: In cases of full disability, the policy will typically pay out the full disability benefit, often in the form of a lump sum or regular payments, depending on the policy terms. This benefit can provide significant financial support to cover living expenses and medical costs.
Example: If you suffer a severe back injury in an accident and are unable to work in any capacity, the policy would provide full disability benefits to replace lost income.

It's important to understand that the terms and conditions of partial and full disability coverage can vary between insurance policies. When considering a personal accident insurance policy, you should carefully review the policy's definitions, coverage limits, waiting periods (the time you must be disabled before benefits begin), and any exclusions related to disability.

These types of coverage can be especially valuable because they offer financial support when you are most vulnerable due to an accident-related injury. Having both partial and full disability coverage in your personal accident policy can provide comprehensive protection for your income and financial well-being in the event of accidents and injuries.