Health insurance covers hospital bills. Personal accident cover protects the income you lose while you recover — or can’t work at all.
Weekly benefit during temporary disability
For accidental death or permanent disability
The financial gap health insurance doesn't cover.
This cover is particularly valuable for anyone whose income depends on their ability to work.
Anyone with dependants relying on their earnings, or anyone in a role with elevated accident risk, should treat this as a meaningful complement to health insurance.
We structure cover around your actual income and liabilities, not a generic figure.
We calculate disability benefit levels based on your actual income.
We recommend pairing this with health insurance for complete protection.
We ensure the policy protects you at all times, not just during working hours.
We include education benefits for dependent children where available.
Health insurance covers hospitalisation and medical costs. Personal accident cover pays a lump sum for death or disability, or income support during temporary disability — filling the income gap health insurance doesn't address.
It depends on your income and financial liabilities — we help calculate a disability benefit level that's genuinely appropriate for your situation.
Most Personal Accident policies offer 24-hour worldwide cover, protecting you at work, during travel, and during personal time.
