Individual PA
Cover for one person — the simplest way to protect your own income.
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Accidental death · Disability · 24×7 worldwideAn accident can take away your ability to earn in an instant — and health insurance won't replace that lost income. Personal accident insurance pays a lump sum (and often a weekly benefit) if an accident causes death or disability, giving your family financial stability. It's one of the cheapest, most valuable covers you can hold.
Personal accident (PA) insurance pays a benefit if an accident results in death or disability. Unlike health insurance — which pays hospital bills — PA replaces lost income and gives your family a lump sum, so an accident doesn't become a financial crisis on top of a personal one.
PA fills the income-loss gap that health and life cover don't — we help you fit all three together.
Cover for one person — the simplest way to protect your own income.
Spouse and children under one plan, often more economical together.
For employers — accidental death/disability cover for your staff.
Adds a weekly payout while you're unable to work during recovery.
Provides a fund for your children's education in the event of a claim.
Large cover for a small premium — PA's biggest advantage.
Enough to replace years of lost earnings for your family if the worst happens.
Permanent and partial disablement is where PA really earns its keep — make sure it's covered.
It replaces your earnings during the weeks you can't work while recovering.
Adventure sports, intoxication and self-inflicted injury are common carve-outs — know them before you buy.
PA fills the income-loss gap that health and life cover don't — together they protect you fully.
PA is inexpensive but easy to under-buy — we size it right and fit it into your overall protection.
Health insurance pays your hospital bills; personal accident pays a lump sum (and an income benefit) for death or disability caused by an accident. They complement each other — most people need both.
A common guide is 10–15 times your annual income, so a payout can replace years of lost earnings for your family. We size it to your situation.
Yes — permanent total, permanent partial and temporary disablement are the core of PA, often with a weekly income benefit during recovery.
Yes — because it pays only for accidents, personal accident insurance offers a very high sum insured for a small annual premium. It's excellent value.
Yes — family PA covers spouse and children under one plan, and employers can arrange group PA for their staff. We arrange all three.
Tell us your income and we'll recommend the right personal accident cover for you and your family.
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