Personal Accident
Useful information about Personal Accident Insurance
Personal Accident Insurance pays a lump sum or benefit if an accident causes death, permanent disability or hospitalisation. Cover applies 24 hours a day, worldwide, and is not limited to working hours.
Cover amounts are chosen according to your income, dependants and lifestyle. Optional extensions can add daily hospital compensation, temporary disability income and medical expenses.
We explain how disability percentages, exclusions and beneficiary designations work, so the payout reaches the right people without dispute when it matters.
What is typically covered?
- Accidental death benefit paid to your beneficiaries
- Permanent total or partial disability compensation
- Daily hospital and temporary disability benefits (optional)
- Medical expenses arising from a covered accident
- 24/7 worldwide cover, on and off duty
Who is it for?
Individuals who want a simple, affordable safety net for their family, self-employed people without work-based cover, and employers providing group accident benefits to staff. It complements — rather than replaces — health and life insurance.
What sets our agency apart
A personal accident claim usually arrives at a difficult moment for a family. We handle it with care and speed: explaining required documents gently, following the file with the insurer and making sure the benefit reaches the right person quickly. Empathy, for us, means answering the call on the hardest day.