Personal Accident Cover

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Personal Accident Cover

The personal accident space must however be approached with comprehensive product knowledge. Personal accident cover provides specific benefits such as accidental death, permanent disability, temporary disability, emergency expenses, and medical treatments.

Personal accident cover represents a valuable addition to brokers’ offerings, providing essential protection against unforeseen accidents and injuries. By understanding client needs and collaborating with underwriters, brokers can strengthen their relationships and deliver comprehensive insurance solutions tailored to each client’s requirements.
In areas where crime rates are high and road accidents are common the importance of personal accident cover is underscored. With a notable frequency of accidents and injuries each year, the need for this type of coverage is unmistakable.
Individuals, especially young families, can also benefit from personal accident cover to supplement group risk and individual life policies. The affordability of such cover makes it accessible, offering peace of mind and financial support in the event of accidents.
Accidents can happen suddenly, without warning. An accident is when something unexpected and unintended occurs, usually caused by a forceful, external, and visible event.
This can result in injuries that require hospitalisation, long term disability, or even death within 24 months of the incident.
In the unfortunate event of permanent disablement, where one is completely unable to work in any capacity and this condition is likely to last for the rest of their life, our policy provides support.
Rest assured; our Personal Accident policy is your safety net during unexpected situations. Accidents and unforeseen events, such as a spider bite leading to hospitalisation, happen when we least expect them, but with our Personal Accident policy, you can rest assured knowing that you and your loved ones are protected. Our policy provides coverage for injuries, hospitalisation, disabilities, and even death resulting from accidents.
  • Key Features
  • Hospitalisation Coverage:

If you or your insured family member are hospitalised due to an accident, our policy provides coverage from the first day of admission for up to 104 weeks. Non-medical expenses incurred during hospitalization are also covered. Claims are settled upon verification of hospital records, and compensation is paid directly to the policyholder.

  • Death Cover:

In the unfortunate event of death due to an accident, we provide compensation to the nominated beneficiary or estate according to the chosen level of cover. Payment is made in one lump sum and is tax-free.

  • Total Permanent Disablement Cover:

If the insured suffers permanent disablement from an accident, compensation is provided based on the scale of benefits and chosen coverage level. Payments are made to the insured, nominated beneficiary, or estate.

  • Optional Extensions
  • Domestic Employee’s Benefit:
Extend coverage to your domestic employees, providing them with protection in case of injury, disability, or death resulting from an accident.
  • Cohabiting Partner or Spouse:
Ensure the well-being of your partner or spouse with coverage for injuries, hospitalization, disabilities, or death caused by accidents.

At MUA, we prioritize your peace of mind. With our Personal Accident policy, you can focus on living life to the fullest, knowing that you and your loved ones are protected against life’s uncertainties.