Personal Accident Insurance

Overview

Personal Accident Insurance provides financial protection to individuals and their families in the event of accidental injury, disability, or death. In the Philippines—where daily commuting, work-related travel, and outdoor activities are part of everyday life—this insurance helps cover medical expenses and provides financial support during recovery or loss of income.

Who Should Be Covered?

  • Individuals and families

  • Employees and employers (group personal accident)

  • Commuters and daily travelers

  • Self-employed professionals and freelancers

  • Students and active individuals

  • Workers exposed to higher occupational risks

Scope of Coverage

1. Accidental Death

  • Lump-sum benefit paid to beneficiaries

2. Permanent Disability

  • Total or partial disability resulting from an accident

3. Medical and Hospital Expenses

  • Emergency treatment and hospitalization due to accidents

4. Loss of Income Support

  • Weekly or temporary disability benefits (subject to policy terms)

5. Optional and Additional Benefits

  • Burial or funeral assistance
  • Daily hospital income
  • Coverage during work, travel, or leisure activities

Key Features

  • 24/7 worldwide coverage for accidental injuries

  • Suitable for individuals, families, and employee groups

  • Affordable premiums with flexible coverage limits

  • Fast and simple claims process

  • Can be bundled with other insurance plans

Benefits of Personal Accident Insurance

  • Financial assistance during recovery from accidents

  • Reduced out-of-pocket medical expenses

  • Income protection in case of temporary or permanent disability

  • Financial security for beneficiaries

  • Peace of mind for individuals and families

Why Choose Personal Accident Insurance?

  • Protection for Everyday Filipino Risks – Covers accidents at work, on the road, or during daily activities.

  • Affordable and Practical Coverage – Provides essential protection at a lower cost compared to life or health insurance.

  • Immediate Financial Support – Offers quick financial assistance for medical bills, recovery, or loss of income.

  • Ideal for Families and Workers – Helps protect breadwinners and dependents from sudden financial burden.

  • Flexible Coverage Options – Suitable for individuals, families, and group or corporate plans.

  • Peace of Mind Anytime, Anywhere – Ensures protection at home, at work, or while traveling.

 

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