Personal accident insurance provides financial protection for you and your family in the event of death or permanent disability caused by an accident.
Personal accident insurance pays the compensation amount set out in your policy to you or your legal heirs if you die or suffer permanent disability as the result of an accident.
People in physically demanding jobs, frequent travellers, and anyone who wants to protect their family's finances against an unexpected accident should consider personal accident insurance.
Traffic accidents, workplace accidents and most sudden, external accidents in daily life are covered; any exclusions are set out in the policy terms.
In the event of death, compensation is paid to the insured's legal heirs; for permanent disability, it's paid directly to the insured person.
Health insurance covers treatment costs, while personal accident insurance provides additional financial protection for death or disability — the two complement each other.
Illness-related conditions, accidents under the influence of alcohol or drugs, deliberate self-injury, acts of war, and hazardous sports not stated on the policy fall outside the cover.
Yes. A standard personal accident policy is not limited to working hours; it applies anywhere in the world, at any time of day. Some group policies arranged by employers may restrict cover to working hours.
The insured person's age, occupation and occupational risk class, together with the death and permanent disability limits selected, determine the premium. Extensions such as medical expenses are reflected in the price.
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