Who it is for
- Employers arranging accident benefits for staff
- Associations, clubs, and groups with shared protection needs
- Individuals who want financial support after accidental injury
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Group / Personal Accident Insurance
Protection for accidental bodily injury that results in death or disablement, with medical expense reimbursement within stated limits.
An advisor can help you confirm the limits, terms, conditions, and exclusions that apply to your situation.
General Insurance/People
Get a quote What this cover can help address.
Use this summary as a starting point. A policy's full terms, limits, exclusions, and conditions should guide the final decision.
- Individuals, employees, or social groups
- Medical expenses after an accidental injury
- Benefits based on salary or capital sum insured
Start a quote and an advisor can help collect the details needed for the next step.
Get a quoteCover highlights
- Accidental death benefit where the policy terms apply
- Permanent or temporary disablement benefits within stated limits
- Medical expense reimbursement after a covered accident
Helpful documents
- Completed proposal or quote request
- Names or schedule of insured persons
- Occupation, salary, or benefit basis where required
- Valid identification and contact details
Know what to keep ready before there is a loss.
Claims guidance
Report the accident promptly, preserve medical records, and share evidence of the incident, treatment, identity, and any benefit basis requested by the claims team.
Important limitations
- Benefits depend on the selected sum insured and policy wording.
- Illness, intentional self-injury, and excluded activities may not be covered.
- Medical reimbursement is subject to policy limits and documentation.
Common questions about Group / Personal Accident Insurance.
Who can buy Group / Personal Accident Insurance?
It can be arranged for individuals or groups such as employees, associations, or social groups, subject to underwriting and policy terms.
Does personal accident insurance replace health insurance?
No. It is designed around accidental injury benefits and medical expense reimbursement within stated limits, not general medical care.