Personal Accident overs accidental death, if it happens during the accident or 12 months later.
While subscribing to this insurance plan you will have to set the sum insured that you need, and the beneficiaries of this cover.

 Options:

- Permanent Total Disablement:
With this option you can be covered if the result of an accident is permanent total disablement. It means that following the accident the insured looses the use of major members of his body that will stop the normal running of his life.
For example: The lost of both eyes or hands.
When applying for permanent total disablement you will also be covered for:

- Permanent Partial disablement:
This option covers the disablement of a part of a member. For example one of both arms, a part of the arm or even a finger.

- Weekly indemnity:
Covers the loss of income due to bodily injury that keeps the insured away from his work for a limited period of time.
That means, if the insured brakes his leg after an accident and has to stay at home for two months; he will benefit of his weekly indemnity cover for two months.
The sum insured that you will apply for has to be 75% of your weekly income.

- Medical Expenses:
Covers medical treatment of injuries due to an accident up to the sum insured that could not be over 10% of the accidental death sum insured.
For example, if following an accident the insured brakes his leg any medical treatment of this injury will be covered like x-rays, medicines, doctor fees or operations (In and Out of hospital).

- Passive war:
Death or permanent disability due to war risk under Personal accident will not be cover unless the passive war option is taken.
For example, if the insured under personal accident with passive war option, is killed or disabled with weapon of war and he is not involved in war activities the compensation will be paid to his family.
In this option the sum insured could be equal the ‘Accidental death’ sum insured with a maximum of 150,000$.