Personal Accident Insurance

Reliable financial security for individuals and families against sudden hazards.

Ensure that sudden accidental injury or disability does not destroy your family’s financial future. Our Personal Accident cover ensures quick, reliable cash payments to meet living bills and medical charges, providing robust financial assurance.

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Personal Accident Insurance

Plan Key Highlights

24/7 coverage active worldwide – both off-duty and during travel
Lump-sum payouts directly to designated family beneficiaries
Family plan bundles available to cover spouse and kids with major discounts
Flexible coverage caps tailored to suit your specific salary bracket

What We Cover (Policy Inclusions)

Our priority policies explicitly cover these accidents, losses, and legal obligations:

Lump-sum payout (100% of sum insured) for accidental death
Accidental Permanent Total Disability benefit (e.g. loss of sights, limbs)
Accidental Permanent Partial Disability coverage (scale of benefits)
Accidental medical expense reimbursement for urgent surgeries & emergency care
Weekly income replacement allowance during active temporary disability status

What Is Not Covered (Exclusions)

To maintain fairness and clean premiums, the standard contract does not cover damages caused by:

Illnesses, natural biological diseases, or age-related standard deaths
Suicide, intentional self-harm, or psychological distress claims
Accidents sustained while under the influence of alcohol, drugs, or prohibited substances
Active active combat, high-altitude mountain climbing, hot air ballooning

Frequently Asked Questions

How does personal accident differ from health insurance?

Health insurance covers hospital bills from natural sickness and routine diseases. Accident insurance pays out specific lump sums or replacement income specifically caused by physical injuries from external accidents.

Can I purchase this along with my corporate health card?

Yes, this plan operates entirely independently. It pays out auxiliary cash benefits regardless of any secondary insurance coverage you have.

Calculation Coming Soon

We are finalizing our custom digital algorithms to provide precise two-wheeler, home structures, and family layouts.

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Need Advisory Help?

Connect directly with our Islamabad and Karachi based insurance coordinators to design custom bounds or clear up terms.

P:
0332-0733666Voice Call & WhatsApp
E:support@apexdigitalassurance.com