Personal accident insurance provides financial compensation if you suffer a serious injury, disability, or death due to an accident. It helps cover medical expenses, lost income, and rehabilitation costs, offering financial support during recovery.
This insurance is ideal for individuals, self-employed professionals, and employees in high-risk jobs.
Accidental death payout – Provides a lump sum to your family.
Permanent disability cover – Compensation if you lose mobility or function in limbs.
Temporary income protection – Covers lost wages if you cannot work due to injury.
Hospitalisation & medical expenses – Helps pay for hospital stays, surgery, and treatment.
Rehabilitation & recovery costs – Covers physiotherapy and long-term care.
Some policies include fracture benefits, burns compensation, and dental injury cover.
❌ Injuries caused by pre-existing medical conditions.
❌ Self-inflicted injuries or accidents under drug/alcohol influence.
❌ Accidents from high-risk extreme sports (unless covered by an additional policy).
❌ Long-term illnesses or medical conditions (covered by health insurance instead).
Premiums depend on:
✔ Age and health – Younger individuals pay lower premiums.
✔ Occupation – High-risk jobs (construction, sports) may have higher costs.
✔ Coverage limits – Higher payouts mean higher premiums.
Fraser Bond works with leading insurers to:
✔ Compare personal accident insurance policies for the best coverage and rates.
✔ Tailor policies based on individual needs and occupation risks.
✔ Assist with claims and ensure a smooth process for compensation payouts.
Personal accident insurance provides critical financial protection if an unexpected injury impacts your ability to work or results in serious disability. Whether you’re self-employed, working in a high-risk job, or looking to protect your family, the right policy ensures financial security.
For expert guidance on securing the best personal accident insurance, contact Fraser Bond today.