Personal Accident Insurance covers serious accidents, such as those resulting the loss of a limb, permanent loss of the use of limbs, loss of hearing or sight and death.
A Personal Accident Insurance policy is perfect for people who travel frequently. Whether you’re booking a flight, going on a cruise or just planning your next road trip, Personal Accident has you covered in a plane, train or automobile.
It’s also great for those who are not protected with life insurance or accident coverage through work or want to top up their existing coverage.
Check out our Personal Accident page for more information.
No matter how careful you are, accidents are going to happen. A Personal Accident Insurance Plan provides a cash payment to you or your beneficiary in the event of disability or death caused from an accident. And the money can be used to make mortgage or rent payments, pay utility bills, or for other financial responsibilities.
Coverage for both options is divided into levels 1 and 2, where the premiums and payouts are different.
On The Move
This travel-related plan covers you when you’re on the move, whether you’re driving, a passenger or a pedestrian. On the Move provides coverage for accidents resulting from these situations:
Under Part A
Under Part B
On the Move – Level 1
On the Move – Level 2
Incidents Covered by Part A: Personal transportation or as a pedestrian This part of the policy covers you while you’re travelling in or on a personal mode of transportation: automobile, snow mobile, farm vehicle, recreational vehicle, bicycle, watercraft, as a passenger in a private aircraft, or as a pedestrian.
Incidents Covered by Part B:On a scheduled airline flight or common carrier
This part of the policy covers you while you’re travelling as a passenger on, or boarding or departing from, a scheduled airline flight or common carrier (such as taxi, bus, subway, train, ferry or ship), but not as an operator or member of the crew.
All The Time
This plan goes beyond the On The Move coverage, to make sure you’re protected even when not travelling in a vehicle.
Under Part A
Under Part B
All the Time – Level 1
All the Time – Level 2
Incidents Covered by Part A: For when you’re working around your house as well as when you’re using personal transportation like a car, snow mobile, bicycle, etc. or are a pedestrian.
Incidents Covered by Part B: For when you’re traveling on a scheduled airline flight or common carrier like a taxi, bus, subway, etc. but NOT while you’re an operator or part of the crew.
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