Personal accident insurance provides financial protection by covering medical expenses and income loss after unexpected injuries, helping you avoid out-of-pocket costs.

Why does it matter?

Financial Protection

By offering lump-sum payouts in the event of accidental death or permanent disability, personal accident insurance safeguards you and your loved ones from unexpected income loss and out-of-pocket expenses.

Medical Emergency

This coverage includes reimbursement for medical consultations, hospitalisation, ambulance services, and related treatments following an accident, ensuring immediate access to care without financial strain.

Peace of Mind

Knowing that funds are available to cover accident-related costs brings invaluable peace of mind, so you can focus on recovering instead of worrying about bills.

What is the general coverage?

Death & Permanent Disablement

Provides a lump-sum payout to the insured or their beneficiaries if an accident results in death or causes permanent total or partial disability, helping secure financial stability against loss of life or long-term impairment.

Hospitalisation & Medical Expenses

Reimburses reasonable medical and hospital costs—such as emergency treatment, surgery, room charges, and related supplies—incurred due to injuries from a covered accident, ensuring you’re not out-of-pocket for accident-related care.

Repatriation, Weekly Indemnity & Funeral Expenses

Covers the cost of returning the insured’s remains home (repatriation), pays a fixed weekly benefit during periods of temporary disability to replace lost income (weekly indemnity), and assists with funeral or burial expenses in the event of accidental death.

What is not covered?

Professional and Hazardous Sports or Risky Activities

Injuries sustained while participating as a professional in hazardous/adventure sports or engaging in high-risk activities (such as para-jumping, motor racing, rock climbing, deep-sea diving, sky-diving, etc.) are usually excluded from this coverage.

Suicide, Pre-Existing Infirmity, Pregnancy

Claims resulting from intentional self-harm or attempted suicide, any physical or medical condition known prior to policy inception (pre-existing infirmities), and pregnancy (including childbirth) are usually not payable.

War, Terrorism, Ionising Radiation

Any injury or loss arising out of warlike actions (e.g., war, invasion, rebellion), acts of terrorism or measures to suppress them, and exposure to ionising radiation or contamination by radioactivity (including nuclear fuel, waste, or weapons material) is excluded from cover.

Resources

Interim Assistance for Policyholders to Continue Access to Medical and Health Insurance Products

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