What is
Accident Insurance
AD&D insurance pays a benefit if you die or suffer a serious injury due to an accident. It’s not medical insurance, it is financial support and compensation for life-altering events: loss of a limb, paralysis, or death caused by accidental means.
It’s often layered on top of life or disability insurance to increase protection for high-risk scenarios.
What it Covers?
It consists of a lump-sum payout for accidental death, and scheduled benefits for:
Loss of limbs
Loss of vision, hearing, or speech
Paralysis
Its coverage applies worldwide, often 24/7 and is available as a standalone plan or add-on rider to life/disability policies.
Who Is It For?
Parents, for cost-effective extra protection
Frequent travelers or those in unstable regions
Workers in high-risk roles (construction, transport, physical trades)
Anyone wanting a low-cost buffer against unpredictable tragedy