Personal insurance

Everything about personal accident insurance

Accidents happen... So, we've got you and your family covered if an accident permanently affects your health.

Everything about personal accident insurance

Accidents happen... So, we've got you and your family covered if an accident permanently affects your health.
Personal Accident - Everything About Image
Personal Accident - Everything About Image

In a nutshell

If your family depends on you financially, it can be devastating if you’re not able to support them because of death or disability. For peace of mind, the king’s personal accident insurance pays out a lump sum if you, or your dependants, are permanently disabled after an accident and in the unfortunate event of your, or their, accidental death.

In a nutshell

If your family depends on you financially, it can be devastating if you’re not able to support them because of death or disability. For peace of mind, the king’s personal accident insurance pays out a lump sum if you, or your dependants, are permanently disabled after an accident and in the unfortunate event of your, or their, accidental death.

What’s covered by the king

As a result of an accident that happens anywhere in the world, you, your spouse and family members, are covered for:

What’s covered by the king

As a result of an accident that happens anywhere in the world, you, your spouse and family members, are covered for:

Keep it in the fam

Your spouse and family members are covered anywhere in the world if these family members are:

Keep it in the fam

Your spouse and family members are covered anywhere in the world if these family members are:
Personal Accident - Financially dependent on you

Financially dependent on you

Personal Accident - Normally live with you

Normally live with you

Personal Accident - Between the ages of 14 and 70

Between the ages of 14 and 70 years old

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Personal accident- Wheelchair image
Personal accident- Wheelchair image

How it works

We’ll pay out for multiple disabilities arising from the same accident, but the insured value noted on your policy schedule is the maximum amount we’ll pay out for any accident. For different types of disabilities, we pay out a percentage of the applicable insured value.

How it works

We’ll pay out for multiple disabilities arising from the same accident, but the insured value noted on your policy schedule is the maximum amount we’ll pay out for any accident. For different types of disabilities, we pay out a percentage of the applicable insured value.

Our benefit table

Here’s a summary of the benefits you’re covered for per insured injury.

Our benefit table

Here’s a summary of the benefits you’re covered for per insured injury.
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Insured injury Condition % of the insured value to be paid
Condition %
Death
Death
You and your dependants older than 14.
100%
Permanent disability
Permanent disability
Loss by physical separation at or above the wrist or ankle of 1 or more limb.
100%
Permanent and total loss of the:
  • Whole eye.
  • Sight of eye.
  • Sight of eye, except perception of light.
  • 100%
    100%
    75%
    Permanent and total loss of hearing in:
  • Both ears.
  • 1 ear.
  • 100%
    25%
    Permanent and total loss of speech.
    100%
    Injuries resulting in permanent, total disability from following usual occupation, or any other occupation for which you’re fitted by knowledge or training.
    100%
    Loss of 4 fingers.
    70%
    Loss of thumb (1 or both phalanges).
    25%
    Loss of index finger (1, 2 or 3 phalanges).
    10%
    Loss of any other finger (1, 2 or 3 phalanges): Per finger
    6%
    Loss of metacarpals (first, second, third, fourth or fifth).
    5%
    Loss of toes:
  • All on 1 foot.
  • Big toe, 1 or both toes.
  • Other than big toe, if more than 1 toe is lost: Per toe.
  • 30%
    5%
    5%