Personal Accident Insurance Cover

Personal accident cover provides a financial safety net if you're involved in a serious accident that results in death or permanent disability. This cover helps you and your loved ones cope with unexpected financial burdens.

What’s Included in Personal Accident Insurance?

• Accidental death benefit: A lump sum paid to your beneficiaries in the event of a fatal accident.
• Permanent disability benefit: Compensation if you are left permanently disabled and unable to earn.
• Partial disability support: A payout proportionate to the level of impairment.

How Payouts Are Calculated

Payouts depend on the severity of the injury. Policies use a percentage schedule—100% for complete limb loss or full disability, and smaller percentages for partial impairments such as losing a thumb or toe.

Additional Benefits to Consider

• Hospital cash payout: A daily allowance if you're hospitalised due to an accident.
• Rehabilitation cover: Helps with therapy and recovery-related costs.
• Dependent cover: Optional benefits that include your spouse or children.

Choosing the Right Personal Accident Policy

• Compare benefit amounts for death and disability
• Review exclusions like self-inflicted harm or illegal activities
• Look for optional add-ons to suit your lifestyle