Universal Sompo Personal Accident insurance

Universal Sompo Personal Accident insurance protects you against accidental deaths, permanent disability. This policy provides for coverage against Accident Death, Dismemberment, Disability and Medical Expenses following an accident. Accident, is an unexpected event, typically sudden in nature and associated with injury, loss, or bodily harm. Accidents are a common feature of the human experience and result in injury or permanent disability to large numbers of people worldwide every year. Many accidents also involve damage to or loss of property. Accidents can occur anywhere, including in the home, during transportation, in the hospital, on the sports field, or in the workplace. Accidents are unexpected and unplanned incidents which may cause physical injury, disability/dismemberment, and even death, excluding ones caused by an self-inflicted act. Personal Accident policies specifically cater to and fill a critical space in one’s insurance coverage, which is not adequately covered by a life and health insurance policy (as is the case with Disability).