What Is Personal Accident Insurance?


Personal accident insurance provides comprehensive cover against surprising accidents causing bodily injury, permanent partial disability or permanent total disability and accidental death. Additionally, the insurance will compensate you if you are temporarily or permanently disabled.

Accidents can happen at any point in your life, and the results may change your life without the right insurance.

The insurance will cover an injury suffered anywhere in the world caused by an accidental external violent and visible means and not by sickness, disease or gradual physical or mental wear and tear.

What is covered?

The insurance will cover any type of accident; some of these accidents may include:

  • Sports Accidents
  • Automobile Accidents
  • Public transport Accidents
  • Public Accidents (slip and falls, crossing accidents, building fires etc.)
  • Housework Accidents
  • Travelling Accidents – (can also buy Travel insurance to cover travel liability)
  • Volunteer Accidents – (employee compensation will not cover volunteers)

What should you know?

It is crucial to have a personal accident insurance cover to be prepared for unexpected situations. The insurance can be purchased for selected dates or as an annual package.

Employers can also buy the insurance for volunteers who are not covered by employee compensation insurance. Accident insurance will provide them with a similar cover of employee compensation at a lower cost and according to the working days.

The insurance is an affordable option, but it is crucial to understand personal accident insurance will not cover illness, diseases, or common sicknesses medical costs.


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