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Personal Accident

Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. It is different from Life Insurance and Medical and Health Insurance. You can either take a PA policy for yourself or a group policy for your family, protecting you and them anywhere in the world, any time of the day. PA insurance provides 24-hour worldwide insurance protection.


The scope of cover and scale of benefits differ between insurance companies and you should, therefore, ensure that you purchase a policy which meets your requirements. The types of coverage normally provided under a PA policy include:

  • Accidental death
  • Permanent disablement
  • Temporary total or partial disablement
  • Medical expenses
  • Corrective surgery
  • Hospitalisation benefits
  • Funeral expenses