If you have an accident and are no longer able to work or need to pay for hospital treatment or care, personal accident insurance can cover the costs.
It’s not anything you want to think about, but if you have responsibilities, such as a family and house bills, protecting against certain eventualities can help ensure the financial security of you and your loved ones.
Talk to SP Insurance Services Limited to get your personal accident plan in place. Get your no-obligation quote from us today.
What does personal accident insurance cover?
There are various personal accident plans and policies available, including:
Accidental permanent injury
This gives you cover if you suffer a permanent injury.
Accidental death
If the worst should happen, accidental death cover can help provide financial support for your partner and family.
Hospital cover
This covers your expenses should you have a stay in the hospital for essential medical treatment.
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How are benefits paid if you make a claim?
Usually, depending on the incident, the policy will be paid on a weekly basis, while the main capital benefits are paid as a lump sum.
What’s not covered by a personal accident policy?
There will be some typical exemptions, including if your injury is the result of illness, was self-inflicted or the result of alcohol consumption or drug use. You may also not be covered if your injury is sustained from playing sports in a professional capacity
Will I need a medical exam to get cover?
You often won’t need a medical exam to get personal accident cover. However, bear in mind that you won’t be covered for sickness or disease.
