At homeIn the morning
Cover starts before you leave home.
It does not depend on your working hours: it covers you twenty-four hours a day, including while you are at home.
Personal accident insurance
Compensation when an accident changes your plans.
Personal accident insurance pays a lump sum if you suffer a serious injury, disability or death as the result of an accident, twenty-four hours a day and not only at work. It is the simplest policy to understand and one of the most affordable, and yet many families do not have it.
- Cover
- 24 h
- Disability
- Total or partial
- Leisure sport
- Included
When it applies.
Any given day, from morning to weekend.
On the wayFirst thing
Something unexpected in the street or on the road.
A road accident leaves you in hospital for two weeks.
How the policy respondsDaily hospital cash benefit, if included in your policy, in addition to medical care.
At workDuring the working day
During working hours too.
What about accidents at work?
Our answerYes, they are covered, and the compensation is paid on top of any Social Security or collective agreement benefits you are entitled to.
In your free timeIn the afternoon
An afternoon on the bike.
A fall from your bike causes a permanent knee injury.
How the policy respondsCompensation for partial disability according to the percentage in the policy's benefit scale.
GetawayAt the weekend
A day in the snow.
A skiing injury keeps you off work for a while.
How the policy respondsCover for leisure sports, with compensation according to the benefits chosen.
Does it cover accidents while playing sport?
Our answerLeisure sports, yes. High-risk sports and competitive sport under a federation licence usually require specific cover; we will tell you before you take out the policy.
Twenty-four hours a day, at work and away from it.
Accident or life: they are not the same.
Does it overlap with life insurance?
Not exactly. Life insurance covers death from any cause; personal accident insurance pays additional lump sums if the cause is accidental, and covers forms of disability that life insurance does not.
| Personal accident insurance | Life insurance | |
|---|---|---|
| What triggers it | An accident only | Death from any cause |
| Disability | Total or partial, according to the benefit scale | Usually total and permanent |
| Price | Very low | Depends on age and health |
| Health questionnaire | Simple or none | Common |
| Who it is for | Active people, sport, commuting | Those with dependants or debts |
They complement each other: many families combine both policies.
Available benefits.
The benefits you can combine in your policy.
- Accidental death benefit
- Total or partial permanent disability
- Medical care resulting from the accident
- 24-hour cover, at work and away from it
- Daily hospital cash benefit
- Cover for amateur sports
Ask us about personal accident insurance tailored to you.