- Covers various types of insurance related to personal health
- Is a benefits policy because no value can be placed on a human life.
- Makes payments if the insured suffers accidental death or bodily injury at any time (Personal Accident) causing death, permanent partial disability, permanent total disability, partial permanent disability, and temporary total disability.
- Basis is typically a multiple of annual salary or a capital sum decided by the insured (for personal accident only).
- Medical insurance provides comprehensive cover for various illnesses, injuries or conditions not specifically excluded.
- Limits for inpatient and outpatient are indicated with defined sub-limits for certain benefits such as optical or dental care.
- Travel insurance is a package policy that is primarily a medical insurance policy that provides relief if the insured is hospitalized because of an accident that took place outside of their country of residence.
- Possibility of visiting a hospital of insured’s own choice if discussed and approved beforehand (for medical insurance).
- Can be arranged for an insured’s pets (accidental death or damage to the pet caused by internal or external injuries).
