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.
 
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  While shopping for a personal accident (PA) insurance policy, there are many things to consider. Scope of coverage, exclusions, cost of premiums etc. However, do not forget these other important points:  
     
 
Scale of benefits
 
Scale of benefits refers to the amount of compensation payable by the insurance company in the event of injury to or loss of limb, sight or hearing. It determines the proportion of compensation based on the loss suffered. e.g. the loss of an index finger is determined to be 10% of the sum insured depending on your policy contract.

Note the scale of benefits for death and disablement in your policy, because they differ between insurance companies.
 
Beneficiary
 
You are advised to nominate a beneficiary and ensure that your beneficiary is aware of the personal accident policy (or policies) that you have purchased. Learn more about making nominations by viewing our helpful guide now.
   
Multiple coverage
 
If you have purchased more than one PA insurance policy, in the event of your demise or disablement, you or your beneficiary, as the case may be, will be compensated under each policy.

However, for certain expenses such as medical expenses which are compensated on reimbursement basis, you will only be compensated once.
 
 
     
 
     
  Sometimes, PA policies are taken by employers for their employees and in such cases, payment of compensation to the employees is at the discretion of the employer. You may not be able to obtain a PA cover if you are involved in certain hazardous occupations.  
     
  It is also quite common for PA cover to exclude people in these ‘high-risk’ professions, such as:  
     
 
   
 
Police/military and law enforcement officers
Divers
Pilots or crew members
Aircraft testers
Racing drivers
Seamen or sea fishermen
Professional sports persons
   
 
     
  Some PA policies also specify the range of age limits th\at can be insured.

You can either take a personal accident (PA) policy for yourself or a group policy for your family.
 
     
     
  There are also some exclusions. Death or injury caused by the following events is commonly excluded from the cover:  
     
 
War risks
Suicide and insanity
Terrorism
Self-inflicted injury
Influenced by liquor, drugs or narcotics
Provoked murder or assault
Childbirth, pregnancy or miscarriage
Involvement in unlawful activities
Hazardous sports
Operating or riding a two-wheel motor vehicle
   
 
     
  Some insurance companies might extend coverage to cover some of the above exclusions if you pay additional premiums. It is best to check with your insurance company to learn more about the exclusions in your policy and how you can extend your coverage.  
     
 
     
  In the event of your demise, injury or disability, you or your nominee may submit a claim on your personal accident insurance. To speed up the claims process, it would help your insurance company by following these procedures.  
     
 
Death claim
Your nominee should:
   
  Make a police report immediately
   
  Notify the insurance company as soon as possible
   
  Submit the claim form with all supporting
documents, such as the death certificate and
burial permit.
   
 
 
  If there is no beneficiary nominated, the dependants of the deceased or the administrator of the deceased’s estate should provide proof of dependency or the letter of administration.
Injury claim
In the event of an injury, you must:
 
 
Give written notice of injury to your insurance company within the time frame stipulated in your policy.
 
Submit the claim form with all supporting documents such as the medical report and receipts of payment for hospital expenses to your insurance company.
 
You will be compensated for benefits under your policy if treatment is obtained or diagnosis is made within the specified time frame from the date of accident.
 
 
     
  Group Policy Claim  
     
  If you have a group PA policy at work, your employer will be responsible to submit the claim to the insurance company. The claim will be payable to your employer and the actual disbursement of the claim amount to you or your family is at the discretion of your employer. As such, you may wish to purchase a separate PA cover to better protect your own interest.  
 
 
 
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Download our booklet on personal accident insurance to find out what these exclusions are and more, or contact an insurance company to find out more about their personal accident insurance policies.