Generally, personal accident policies do not cover people who could be argued to be ignorant and those who willfully expose themselves to danger.

There are a variety of Personal accident insurance policies available in Singapore. However the terms of these policies vary a lot as compared to other insurance policies. In contrast to a basic life insurance, a personal accident policy does not cover death due to natural causes. Generally, personal accident policies do not cover people who could be argued to be ignorant and those who willfully expose themselves to danger. However, the amount of coverage is generally higher than other general policies as its area of coverage is stricter.

Important considerations while picking a personal accident policy

If you have specific need then careful comparison would be required of available polices to give you value for your money. This would require you to examine several factors and compare ...