Personal accident insurance provides specified benefits for accidental injury, disability, or death. Some contracts also cover eligible medical expenses, but the principal benefits may be fixed amounts linked to the injury. Illness and gradual deterioration generally fall outside accidental cover unless explicitly included.
For a Nepalese driver, construction worker, or frequent traveller, the occupation and activities declared during underwriting can influence protection. Examine the disability schedule and hazardous-activity exclusions. Personal accident insurance can complement life insurance and health insurance but does not automatically replace either.