Diwali accidents: Can your insurance cover firecracker-related injuries?

Firecracker injuries during Diwali may be covered by existing health insurance policies, subject to their terms.
Health insurance can cover eligible hospitalisation costs, including surgery, medicines and doctors' fees.
• Personal accident insurance may offer benefits for accidental death or permanent disability caused by firecrackers.
Home insurance may cover fire damage to buildings and belongings, depending on policy limits and exclusions.