Personal Accident
- 1. Road Accidents
Car collisions
Motorcycle accidents (sometimes with special conditions)
Bicycle accidents
Pedestrian accidents
- 2. Slip, Trip, and Fall Accidents
Slipping on wet floors
Falling down stairs
Falling from heights (other than job-specific high-risk work)
- 3. Accidental Cuts, Burns, and Injuries
Kitchen accidents
Accidental burns
Cuts from tools or machinery
- 4. Sports & Leisure Accidents
Non-professional sports injuries
Gym injuries
Recreational activities (depending on the policy)
(Extreme sports like skydiving, diving, or racing are usually excluded unless added as riders.)
- 5. Accidents at Home
Falling objects
Electrical shock
Accidental poisoning
- 6. Work-Related Accidents (General Jobs)
Injuries at normal-risk workplaces (office, retail, etc.)
Falls or minor machinery incidents
(High-risk occupations like construction, mining, heavy machinery often require special coverage.)
- 7. Accidental Drowning
Swimming-related accidents
Boat accidents
- 8. Assault or Violent Crime
Robbery-related injuries
Assault
Murder (for death benefit)
- 9. Accidental Fire or Explosion Injuries
Home fires
Gas explosions
Electrical fires
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