Personal accident cover: A personal accident cover is an add - on cover which covers hospitalization expenses of the owner due to accident. (policybazaar.com)
It covers both pre and post hospitalization expenses for a certain period of time. (policybazaar.com)
The pre and post hospitalization expenses of the donor are not considered under this feature, but yes all the medical expenses of the insured are taken care by the insurer. (policybazaar.com)