What’s Personal Accident Insurance?

Personal accident insurance is your safety net when life throws a curveball. It’s all about covering those unexpected costs if you get hurt in an accident. Whether it's a freak mishap or just bad luck, this insurance helps with medical bills, daily expenses, and even some payouts to your family if things go south.

Having a personal accident policy gives you peace of mind, knowing you’re covered no matter what happens. It’s all about staying secure and keeping your finances in check, so you can focus on living your life without worrying about the “what ifs.”

Who’s Got Your Back with Personal Accident Insurance?

Personal accident insurance is a lifesaver for anyone looking to protect themselves from the unexpected. Whether you’re out and about or just living your daily life, it’s there to cover those surprise costs if you get into an accident. For workers on the go, it ensures you’re taken care of, so you can keep hustling without stress.

Whether you’re a busy professional or just enjoying life, our personal accident insurance has your back. Stay secure and keep your mind at ease, knowing you’ve got the protection you need when life throws a curveball!

Understanding Your Personal Protection Policy Coverage

Your Policy Includes Coverage For:

Accidental Death: Compensation will be provided to the designated beneficiary in the event of accidental death occurring during the policy term.
Permanent Total Disablement: Coverage for the total and permanent loss of limbs, vision, etc., as a result of an accident.
Accidental claim Expense Reimbursement: Reimbursement for expenses incurred during claim for a minimum of 24 hours due to an injury sustained within 7 days of the accident.
Accidental Hospital Daily Allowance: A daily allowance for claim exceeding 30 days following the insured event, with a one-day deductible.

Loss of Use / Actual Loss by Physical Separation of	Percentage of Capital Sum Insured
Sight of both eyes	100%
Both hands	100%
Both feet	100%
One hand and one foot	100%
One eye and one hand or one foot	100%

*As specified in Part I of the Schedule.

Important Notes:

Should any injury listed above result in the inability to engage in gainful employment, the full capital sum insured will be payable.

*Within 12 months from the date of the accident.

Please refer to the Policy Wordings document to gain a comprehensive understanding of your coverage and benefits.

Personal Accident Insurance Benefits:

Accidental Death Benefit:

Provided to the nominated beneficiary in the event of the insured's death due to an accident. In cases of total permanent disability, the insurer will pay 100% of the sum insured if the policyholder is permanently incapacitated and unable to earn income for life.

Accidental claim Expense Reimbursement: If the policyholder requires claim due to an accident during the policy period, the insurer will cover the claim costs.