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| Frequently Asked Questions
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| 1.
| What are the different coverages available to your Personal Accident Insurance?
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| The usual coverages available under Personal Accident Insurance are the following:
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| Death Benefit
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| b.
| Permanent Disablement
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| c.
| Medical Reimbursement
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| There are other additional benefits you may opt to get under the Personal Accident insurance:
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| Murder and / or Assault
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| Non-Scheduled Flight
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| Motorcycling
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| 2.
| How is the rating of premium for Personal Accident?
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| It will depend on the type or nature of the occupation you are engage in, the riskier the occupation the higher the rate.
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| 3.
| What are usually excluded under the Personal Accident Insurance policy?
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| There are several standard exclusions under your personal accident insurance, these are the following:
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| Wars, invasions, riots, strikes
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| Suicide or attempted suicide
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| Alcoholism or drug addiction
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| Diseases like hernia, venereal disease, insanity
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| Earthquake, volcanic eruptions or tidal waves
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| Traveling in an aircraft other than one licensed for public passenger service & operated by a regular airline on a published scheduled flight over a regular air route, and in which the insured is traveling as a ticket holding passenger.
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| Hunting, racing of all kinds, steeple chasing, polo playing, mountaineering and other hazardous sports.
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| Pregnancy or childbirth
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| Nuclear weapons or instruments
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| While using woodworking machinery driven by mechanical power
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| Murder &/or Assault
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| Motorcycling
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