Personal accident insurance covers bodily injury resulting from a sudden and external event: accidental death, permanent disability and, depending on the plan, treatment costs. Compared with products that also cover illness the premium is low, the cover structure is clear, and benefits are mostly paid on the basis of the sum stated in the policy.
Policies are usually issued for one year on a 24-hour basis, so cover continues whether the accident happens at work, at home or on the road. Depending on the insurer, ambulance and "Ask a Doctor"-type medical advice services may also be included. Extended options exist for riskier activities such as motorcycling, skiing and diving; we work out together which package you need.
What is covered?
- Accidental death
- Permanent disability / total and permanent disability following an accident (plan dependent)
- Treatment costs following an accident (plan dependent)
- Daily benefit for days you temporarily cannot work because of an accident (insurer dependent)
- Ambulance service (insurer dependent)
- Ask a Doctor-type medical advice services (insurer dependent)
- Accidents caused by earthquake, flood, volcanic eruption and landslide (as additional cover)
Optional add-on covers
- Extreme sports extension: motorcycling, skiing, diving, mountaineering, sailing, hunting and paragliding
- Group Personal Accident Insurance for your employees
- Premiums deductible from the income tax base within legal limits
What you should know
Death and disability caused by illness are not covered; the policy responds only to harm resulting from a sudden and external accident. Covering illness as well requires life or health insurance.
Time limits and age conditions vary by insurer. For example, under Corpus Sigorta's personal accident product, death must occur within one year and permanent disability within two years of the accident, and the daily benefit is paid for up to 200 days. Quick Hayat's personal accident product accepts applicants aged 18–74, with cover ending by age 75.
Occupation is one of the main pricing factors; some high-risk occupations and activities are only covered under special terms.
Videos
Frequently asked questions
Earthquake, flood, volcanic eruption and landslide may not be part of the standard cover. If they have been added to your policy as additional cover, accidents occurring during these events are covered too. We can check together whether your policy includes it.
Health insurance covers illness and accident together, focusing on treatment costs. Personal accident covers accidents only, mainly by paying the sum stated in the policy.
Yes. Group Personal Accident Insurance is available for employee groups; see that product's page for options such as group discounts and cover limited to working hours.
The information on this page is for general guidance and does not replace policy wording. Scope of cover, limits, deductibles and exclusions are determined by the general and special conditions of the insurer you choose.