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 & 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, anytime of the day. PA insurance provides 24-hour worldwide insurance protection.

The scope ofyour 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


When choosing a policy, always :

  • Be aware of the exclusions of the policy which will not allow you to claim from the insurance company.
  • Note the scale of benefits, which is the amount of compensation payable by the insurance company in the event of injury to or loss of limb, sight or hearing
  • Disclose fully all material facts in your application form e.g. your health, occupation and number of PA policies you currently have.


There might be many exclusions based on situational and occupational risks which are not usually covered.

For more information, you can download our booklet on personal accident insurance.