Personal accident insurance
A personal accident policy pays a fixed amount for accidental death or disability, and on many plans a weekly benefit while you cannot work. It is low-cost cover that a health policy does not provide.
Earning members of a family
People who travel or commute a lot
Self-employed people with no employer cover
What is covered
Accidental death
Permanent total and partial disability
Temporary total disability (weekly benefit)
Children’s education benefit on many plans
What is not covered
Death or injury from illness
Self-inflicted injury
Injury under the influence of alcohol or drugs
Hazardous sports, unless covered
Covers and exclusions vary by insurer and plan; the policy wording applies.
Making a claim
How a claim works with Kreeva
01
Tell us early
For planned treatment, a few days ahead; in an emergency, as soon as you can.
02
Cashless approval
The hospital sends the request; we follow it up with the insurer.
03
Bills and reports
We list exactly what to keep for any reimbursement.
04
Settlement
We track the claim until it is paid and explain any deduction.
Personal accident insurance — questions
Does health insurance cover accidents?
It pays hospital bills after an accident, but not a lump sum for death or disability. Personal accident cover fills that gap.
Not sure which plan fits? Ask an advisor.
Free consultation. No obligation to buy.