Individual Accident &
Sickness Insurance Policies

Individual accident insurance policies provide coverage specifically for injuries resulting from accidents. These policies offer financial protection to policyholders in the event of accidental bodily injury, regardless of whether that injury occurs at home, at work, or during leisure activities. Coverage typically includes reimbursement for private medical expenses, such as hospitalisation, surgeries, doctor visits, and rehabilitation services arising from covered accidents. Additionally, individual accident insurance may offer benefits such as accidental death and dismemberment coverage, which provides a lump-sum payment, or ongoing benefits to the policyholder/their beneficiaries in the event of death or permanent disability resulting from a covered accident.

Individual sickness insurance policies offer coverage for private medical expenses incurred due to illness or disease. Unlike accident insurance, which focuses on injuries resulting from accidents, sickness insurance provides financial protection against the costs of medical treatment necessitated by illnesses such as cancer, heart disease, diabetes, and other acute or chronic conditions. Sickness insurance typically covers expenses related to hospitalisation, doctor visits, prescription medications, diagnostic tests, and other necessary medical services. Additionally, some sickness insurance policies may include benefits for preventive care, maternity coverage, and mental health services, ensuring comprehensive coverage for a wide range of healthcare needs.