Coverage 1
Accidental death or disability benefits where included.
Personal Insurance
Personal Accident Insurance
Personal Accident Insurance is designed to address specified personal insurance risks, with coverage structured around the insured interest, policy limits and applicable terms.
Understand the coverClaims guidance
Coverage choices
Customer supportUNDERSTANDING THE POLICY
Protection built around the risk you want to manage
Personal insurance products help individuals manage specific financial risks arising from accidents and other defined events. Benefits depend on the selected product and policy schedule.
Coverage 2
Permanent or temporary disability benefits according to the policy.
Coverage 3
Accidental medical expenses where covered.
Coverage 4
Additional benefits or riders where selected.
Coverage 5
Family or individual options depending on the product.
COVERAGE AREAS
What the policy may address
Coverage is subject to the exact policy wording, schedule, endorsements, limits, conditions and exclusions.
01
Accidental death or disability benefits where included.
02
Permanent or temporary disability benefits according to the policy.
03
Accidental medical expenses where covered.
04
Additional benefits or riders where selected.
05
Family or individual options depending on the product.
IMPORTANT CONDITIONS
What to check before choosing
Insurance is a contract of defined coverage, not a blanket guarantee against every loss.
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Illness or non-accidental events where the product is accident-only.
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Intentional self-injury, excluded activities or circumstances stated in the wording.
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Claims outside the policy period or benefit limits.
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Events excluded under the policy or not supported by required evidence.
Documents that may be requested
- Identity and policy details.
- Medical and accident reports.
- Police or incident report where applicable.
- Bills and treatment records for eligible medical benefits.
- Employment/income information where a benefit calculation requires it.
CLAIMS JOURNEY
What to do when something goes wrong
Prompt notification and complete documentation can help the insurer assess a claim efficiently. Exact timelines depend on the policy.
01Notify the insurer promptly.
02Obtain medical or official reports relevant to the event.
03Preserve bills, treatment records and other evidence.
04Submit the claim form and documents.
05Cooperate with assessment and verification.
FREQUENT QUESTIONS
Questions customers commonly ask
What is personal accident insurance?
It provides specified benefits for accidental events such as death or disability, subject to the policy.
Does it replace health insurance?
No. Accident insurance and health insurance serve different purposes and may complement each other.
Can disability benefits differ?
Yes. The benefit can depend on the type and extent of disability and the schedule in the policy.
PERSONAL ASSISTANCE
Talk to GUAN Technologies about Personal Accident Insurance
Tell us about your requirement and our team can help you understand what information and coverage features should be compared.