Personal
Personal Accident
A cost-effective benefit that pays out on accidental death, disability or injury, and covers accident-related medical expenses. Available for individuals, families, and groups such as staff, students and sports teams.
What this policy covers
- Accidental death benefit
- Permanent total or partial disability
- Temporary total disability weekly benefit
- Accident medical expenses
- Funeral expenses (where selected)
Why arrange it through Hace
- Affordable 24-hour worldwide protection
- Straightforward underwriting
- Group rates for organisations
- Fast documentation at claim stage
Optional extensions
- • Extended medical expense limits
- • Hospital cash benefit
- • Cover for hazardous activities
Common exclusions
- • Losses that happened before the policy start date
- • Deliberate or fraudulent acts
- • War, invasion and nuclear risks (unless specially arranged)
- • Wear, tear and gradual deterioration
- • Self-inflicted injury
- • Illness or disease not caused by an accident
- • Participation in excluded hazardous sports
Frequently asked
Is this the same as medical insurance?+
No. Personal accident pays defined benefits for accidental injury or death; medical insurance pays for treatment of illness and injury generally. Many clients hold both.
Ready to arrange personal accident?
Tell us what you need to protect and we will compare the market and come back with clear options.