Available Now
Personal Protection
Personal Accident Cover
Protection When Life Takes an Unexpected Turn
A lump-sum payout or income replacement if an accident leaves you injured, disabled, or unable to work.
03
Cover options
29
Underwriters
24/7
Claims support
Quick overview
Also known as MaxPac, it pays out for injury, permanent or temporary disability, or death caused by an accident — helping with medical bills and lost income while you recover. It's often taken alongside health or life cover.
Why it matters
Why Have Personal Accident Cover?
Your income supports your everyday life, your family, and your responsibilities, and an unexpected accident can affect all of these. Personal Accident Insurance provides financial support during difficult circumstances, letting you and your loved ones focus on recovery rather than carrying the entire financial burden alone.
Accidents happen anywhere, any time
At home, at work, or on the road, an accident can leave you with medical bills and no income while you recover. Personal accident cover protects you 24 hours a day.
Fills the gap other policies leave
Health insurance treats you and life insurance pays on death. Personal accident sits between them, paying out for injury and disability from an accident.
Who it's for
Who this cover is for
- Individuals
- Families
- Students and interns
- Employees and work groups
- Attachment and internship groups
- Other organised groups
Cover options
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
01
Accidental Death
A lump-sum payout to your beneficiaries if an accident results in death.
02
Permanent Disability
Compensation for total or partial permanent disability resulting from an accident, based on severity.
03
Temporary Disability
A weekly benefit when an accident temporarily prevents you from working.
Protection
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
volunteer_activism
Accidental death
A lump sum to your beneficiaries.
accessible
Permanent disability
Compensation for lasting loss of limbs or sight, by severity.
healing
Temporary disability
A weekly benefit while you can't work.
medical_services
Medical expenses
Hospital bills, surgery, and treatment after an accident.
local_hospital
Hospital cash
A daily cash benefit for each night in hospital.
Key benefits
What you get with the cover
Accidental Death
Pays a lump-sum benefit to your beneficiaries following accidental death.
Permanent Disability
Compensation for total or partial permanent loss of limbs or sight from an accident.
Temporary Disability
A weekly income benefit if you're unable to work temporarily.
Medical Expenses
Helps cover hospital bills, surgeries, and treatment resulting from an accident.
Hospital Cash
A daily cash benefit for each day spent in hospital following an accident.
Add-ons
Optional extensions
Extra layers of protection you can add for an additional premium. Availability varies by insurer.
Last Expenses
Helps with funeral costs following accidental death.
Artificial Appliances
Cover for approved items such as crutches and other appliances needed after an accident.
Exclusions
What's not covered
Illness or natural causes of death
Self-inflicted injury
Injury while under the influence
Pre-existing disabilities
This is a general list. Your policy wording sets out the full exclusions that apply.
Getting covered
What you'll need
To take out cover
- Copy of ID or passport
- Applicant's contact details
- Names and details of persons to be covered
- Occupation or type of activity
- Additional information depending on the selected cover
Report the accident promptly, get a medical report confirming the injury, and submit it with your claim form for assessment.
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Glossary
Common terms explained
Permanent Disability
Injury that permanently affects your ability to work or function, rated by severity according to medical and policy assessment.
Accidental Bodily Injury
Injury caused solely by a sudden, unexpected, external event.
FAQ
Frequently asked questions.
The essentials on personal accident cover — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsDoes this cover illness, or only accidents?
Personal accident cover pays out for accidental injury, disability, or death only — illness is covered under health or life insurance.
Can I claim alongside my health insurance?
Yes. Personal accident cover pays a separate benefit and doesn't reduce what you can claim from health insurance.
Is cover available for children?
Yes, family policies can extend accident cover to your spouse and children.
Can students and interns get this cover?
Yes — Personal Accident cover is available for students, interns, and attachment groups to cover risks during study and work placements.
Flexible cover
Cover for individuals and groups
This cover can suit individuals, students, employees, families, and organised groups looking for additional financial protection against accidents. Our advisors set the benefits and sum assured to fit.
More Personal Protection
Available Now
Enquire 
Enquire
Related cover
Available Now
Enquire Enquire 
