PERSONAL ACCIDENT INSURANCE
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.
LATEST PUBLICATIONS
10 Steps to Organise a Classical Music Tour in Asia
Touring is a big part of any music band or artist. There are various types of music tours around the world. Touring helps musicians grow and create a bigger brand image, regardless of genre - Music tours could be anything from a rock band to a classical music tour. Classical music is a music genre known for being peaceful, elegant and beautiful tones. There are various types of classical music, such as opera, orchestra and choral. Classical music bands usually consist of a large number of musicians that help create harmonised compositions. Orchestra or opera shows are very different [...]
Top 5 Thrilling Adventure Sports in Hong Kong
Are you an adrenaline junkie in Hong Kong? Hong Kong is full of activities, sites, food, and luxury [...]
How Insurance Covered an Ironman Injury in Hawaii?
Some athletes travel worldwide to compete in marathons, biathlons and even triathlons. One of the most popular and [...]
Will Insurance Replace a Lost Diamond from An Engagement Ring?
An engagement ring is something most women cherish their whole life. It is one of the most special [...]