Accidents do happen all the time and may result in personal injuries or even deaths. A Personal Accident Insurance policy provides several benefits to the policyholder if they suffer from an accidental death or a bodily injury. Such benefits include "Death Benefit", "Permanent Disablement Benefit", "Temporary Disablement Benefit" and "Medical Expenses Benefit". The Medical Expenses Benefit covers Chinese Bonesetting or Acupuncture and Hospital Allowances.