Cover

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1. If the insured person dies as a direct result of an accident covered by the policy, a lump sum benefit is paid to insured person's nomnee. This is often a substantial sum intended to provide financial support to the deceased person's family.
2. If the insured person becomes permanently and totally disabled due to an accident, the policy may pay a lump sum benefit. Permanent total disability typically means the insured person is unable to engage in any gainful employment for the rest of their life.

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Not Cover

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1. Self-Inflicted Injuries: Injuries or disabilities that are self-inflicted are typically not covered by personal accident insurance.
2. Pre-Existing Conditions: Personal accident insurance typically does not cover injuries or disabilities related to pre-existing medical conditions that were not disclosed at the time of policy purchase.
3. Illness: Personal accident insurance is designed to cover accidents, not illnesses. Therefore, medical conditions or injuries resulting from illness are usually not covered.
4. War and Terrorism: Injuries or disabilities resulting from acts of war, terrorism, or warlike operations are typically excluded.
5. Under the Influence: Accidents that occur while the insured person is under the influence of alcohol or drugs not prescribed by a medical professional may not be covered.
6. Criminal Acts: Injuries resulting from an insured person's participation in a criminal act may be excluded from coverage.
7. Motor Racing: Participation in organized motor racing events, whether as a driver or passenger, is usually not covered.
8. Natural Death