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What there is to know about personal accident policies

AXIS Capital, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States has built a global franchise that is well diversified by product –i.e.  Personal Accident. The company also service SE Asian countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more.

The policy 

A PA policy otherwise known as personal protection plan is a yearly insurance cover offering compensation in case of injuries, permanent, temporary, total or partial disablement, or death caused exclusively by violent, accidental, external and visible events. The plan furthermore covers medical expenses, corrective surgery, hospitalization benefits and funeral expenses be caused by accidents.

Many PA policies come with 24-hour worldwide insurance protection and various packages. Some cover just accidental death whereas others comprise disabilities and some with special coverage for high-risk individuals. There are furthermore stand-alone PA policies in addition to riders to life insurance plans. Always read reviews before purchasing a policy.

Although there are many variations of the plans, PA policies essentially cover the insured and their beneficiaries in the event of accidental death or disability due to disease. Coverage depends on how much premium is paid. Individuals, families and groups, can take up PA policies, as do most employers for their employees.

Insured risk and Exclusions

It is significant that you understand what your PA policy plan covers and rejects to avoid complaints. This will facilitate you make a knowledgeable judgment and moreover keep away from disagreements in the event of a claim. PA policies are very precise in the coverage of insured risks- if it affirms that it covers against death and permanent disability caused by an accident, the keyword here is ‘caused by accident’ as there will be no compensation for death or disability instigated by other reasons. Death in childbirth or disease for example, is excluded.

It is critical to note the list of eliminations under a policy. Normal exclusions in most plans consist of war, riot, self-inflicted injury, suicide, AIDS, injury or death resulting from participation in unlawful events, provoked murder or assault and hazardous sports. It is significant for you as the consumer to read the clauses on pre-existing illnesses, as it will plan the eliminations and degree on an insured risk. PA policies with medical expense coverage are invalid for illnesses or ailments. PA policies will furthermore exclude coverage for definite high-risk category individuals- as these people are typically involved in perilous activities like extreme sports, diving and law enforcement during war or riots.

Read More:  Axis insurance – specialty insurance axis capital group Singapore Jakarta Indonesia Bermuda


  • Erwann Pyron

    I would strongly advise anyone who reads this who has a policy with Axis Capital Group Bermuda, knows someone with a policy and planning to get a policy that you did the right choice.

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  • Blake Tyler

    You do not seem genuine, is that a scam comment. But anyway, I think they are good but I also see some bad reviews.

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  • melisafransson

    I carry their policy now and they really need to address some of my slight complaints. Get with it insurance companies. You have to remember the business that you are in will include risks and claims.

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  • Lorelay Schultz

    I think they are an awesome company. I, personally, have had insured with them for over years and have never had a single problem.

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  • lh1amcach0

    I was really curious about Axis and visiting their site made a lot of good impression.

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  • Aksel Bech

    One must have a constant safeguard against any peril that may befall them or their family members such as sudden illness or an accident. It is the uncertainty of the accidents that makes it such a potent threat to be safeguarded against. I think this is chief factor of having this policy.

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  • Lauritz Ylonen

    I heard Axis Capital Group, Bermuda offers a good deal for a personal accident policy. Heard no complaints against them.

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  • Patricia Kamil

    Personal Accident Insurance protects families from the financial concerns such as loss of income and medical expenses that unforeseen accidents lead to. This is why you must have one.

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  • Iris Mendicute

    You need a life insurance policy to cover the risk of death and a health insurance policy as a cushion against hospitalization expenses. It’s basic! A necessity.

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  • noredmeuz

    Remember, a good policy is something that can adequately cover you and your family. It needs to provide you with hospitalization benefits as well as full coverage for all of your medical expenses. Always review first.

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  • kareemia

    If you would like to know about Personal Accident insurance, and the scope and benefits of Personal Accident insurance, you will find it at Axis Capital Group, Bermuda.

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  • Kalie Reber

    This is a very helpful article, exactly what I need. I have read reviews regarding the company and I might consider.

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  • Fortun Ayes

    Personal accident insurance pays out an income if you’re unable to work because of illness or injury. Major reason why we need it.

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  • Olle Hansson

    I have been hearing lots of complaints about Personal Accident insurance now I am starting to doubt of purchasing one.

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  • Chester E. Davis

    There’s a pretty obvious causal link between disability and poverty in our society. Some people manage it very well. Both have to be taken seriously.

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  • estefanibraulio

    My problems are quickly resolved and the rates are very good. Cheapest I have found in fact. Axis Capital Group, Bermuda is doing well for me so far.

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  • I got a quote from this company and the coverages and the price were very good so I am thinking of buying policy from them. I read reviews and I am learning good things about them. I hope I am making the right decision.

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  • Jack E. Canty

    Good price for just basic coverage. I got first contact and was too pricy. But when I called back and adjusted things to min, everything was fine I have no complaints.

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  • Lucas Ribeiron

    Looking for a company which provides good coverage and good service at a reasonable price, serving in Jakarta Indonesia.

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  • Eve Suosa

    I am wondering what experience you all have with the most trustworthy insurance companies, could it be this Axis Capital Group, Bermuda?

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  • I’ve watched people pay insurance claims for over years. They LOOK TO FIND WAYS TO PAY YOU rather than look for ways to get out paying. That alone is worth a few extra dollars a year. I think this company is no different they are all their kind fraud.

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  • henming5

    Pick a company that offers high standards of service and quality, while having a strong reputation and financial stability. In the Jakarta, Indonesia, where I live, review your insurance department to find out more about the companies, and their reputation.

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  • medsorensen

    Just pick an insurance company that offers high financial stability, well known and highly trusted by people. You can surely find that one in your local area.

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  • Eline H. Randal

    I suggest researching the company is the best way to know.

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