No matter what age, how healthy or fit you are, a serious accident can change your life. A personal accident plan provides valuable peace of mind by taking care of the financial implications should your circumstances change after an accident.
If you suffer a serious injury such as loss of limb or loss of use of your limbs within a year after an accident, you will receive a lump sum payout to help you cope with the impact. Should you pass away due to the accident, your family will receive a lump sum payout to help them through the times ahead.
We will ensure that you are well covered by reimbursing you for medical and surgical expenses incurred in the first year after the accident.
If you are hospitalised due to an accident, you will be reimbursed for up to 365 days spent in the hospital.
Your family will receive a lump sum payment if the unthinkable should happen and you lose your life due to dengue fever.
Insurance Lingo Explained
What does lump sum mean?
This is a single, large claim payment.
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You must disclose details such as your occupation, personal interests or hobbies that could affect your risk profile and number of personal accident policies that you have with other insurance companies.
After the first premium, a grace period of 31 days from the premium due date is allowed for payment of each premium. The policy will remain active during the grace period. If a loss occurs during the grace period, any unpaid balance of premiums due for the full policy year will be deducted from the proceeds payable under the policy.
You must tell us in writing if you change your occupation. We will review your new occupation to see if it falls within the occupation categories covered under this plan.
You must give us written notice of a claim within 30 days of the accident that caused your injury. If death occurs, an immediate notice of claim must be given to us.