Personal Accident (PA)

The Personal Accident policy is often considered as an extended policy of Workmen Compensation Insurance which covers accidents incurred 24/24, both within or outside working hours. The policy also covers consequences of an accident within 104 weeks from the date of the accident.

Main coverage:

• Death/total permanent disablement due to accident
• Partial Permanent Disablement: Pay as per scale of compensation
• Temporary disablement/ Loss of wage: Pay full daily salary for the period out of work due to temporary disablement according to doctor’s instruction
• Medical Expenses: Pay actual, reasonable medical expenses based on the eligible receipts, including emergency transportation

Some policies may have additional benefits like education fund, taxi transportation in emergency cases…

The policy is also often combined with Healthcare Insurance to form a comprehensive benefit package for employees

• Injuries during war or invasion
• Terrorist activities
• Intentional acts of causing damage
• Violations of laws and regulations
• Costs payable to third parties
• Attemp suicide or self-harm
• Participation in professional sports activities or dangerous sports activities
• Affect by stimulants, addictive substances, detoxifying drugs, drugs not prescribed by a professional doctor, alcohol, beer or alcoholic substances and this influence is the cause of the accident
• The insured person drives a vehicle with an alcohol level over the provisions of the Traffic Law

and others specified in wording details