Personal Accident Insurance

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.


The type of coverage that is normally provided under PA policy include:

  • accidental death
  • permanent disablement
  • medical expenses
  • hospitalization benefits
  • funeral expenses
  • weekly indemnity
  • repatriation benefits

The major exclusions under this policy include the following (list is not exhaustive and may vary between insurers):-

  • War, terrorism, radiation or contamination by radioactivity
  • Suicide or self-inflicted injury, pre-existing physical defect or infirmity, AIDS, pregnancy
  • Professional or hazardous sports, aerial activities, underwater activities requiring breathing apparatus
  • Motorcycling, member of armed forces, rescue services, police forces, aircraft crew