Personal Accident
A usually affordable policy that pays out for death, permanent disability and treatment costs resulting from an accident.
What is Personal Accident and how does it work?
Personal accident insurance pays out for death, permanent disability and, depending on the policy, treatment costs resulting from an accident. It is usually affordable, and covers only sudden events caused by an outside force, not conditions caused by illness.
Payments are calculated from the sums insured and the degree of disability. Occupational risk, extra sporting activities and age affect the premium; some risky jobs or sports may need extra cover. Combining it with a loan or life policy rounds out protection.
Who is it for?
It suits people in accident-prone jobs, families seeking protection for their children, people who play sport and anyone wanting extra security.
What does personal accident insurance pay?
Personal accident insurance pays for death, permanent disability and treatment costs resulting from an accident, according to the cover in the policy. Illness-related cases are excluded; that needs health or life insurance.
These low-premium policies give extra protection for people in high-risk jobs, those who play sport and frequent travellers. Read the cover amounts, how permanent-disability rates are calculated and the excluded activities in the policy terms.
How does the process work with Santerna?
First we listen to your needs and budget. Then we collect suitable quotes from the insurers we work with and put the cover and conditions side by side in a simple table. You make the choice; after the policy is issued we track the renewal date and stand by you when a claim happens. You can reach us by phone, WhatsApp or by visiting our office.
What does it usually cover?
- Death resulting from an accident
- Permanent disability
- Accident-related treatment costs (depending on the policy)
What to look at when choosing
- The sums insured
- Which accidents are excluded
- How occupation and sports affect the premium
Frequently asked questions
Does personal accident insurance cover illness?
No. It covers only death, disability and treatment costs named in the policy that result from an accident.
How is it different from life insurance?
Life insurance covers death from any cause (except policy exclusions); personal accident covers only accident-related events and usually costs less.
Can it be taken out for children?
Yes, there are personal accident policies for children. They are popular for children who play sport or use a school bus.
Let us find the right one for you together.
Cover varies by insurer and policy; this page is general information.