Do You Need a Personal Accident Insurance?

personal accident insurance - aig malaysia

Let’s face it. As much as we can try to take precautionary steps if an accident is bound to happen, it will no matter what. While it is unfortunate that these incidents can take place, it’s hard to overlook the costs that can come with the aftermath of these accidents. Which is where personal accident insurance (PA) can help.

What is Personal Accident Insurance?

Most of us would be familiar with life insurance where you’re protected against the risk of death. Health insurance offers coverage for a variety of medical costs. However, PA is different as it covers the policyholder against death or disability due to an accident. It eases the financial burden if you are involved in an accident. The types of coverage generally provided under a PA policy include:

  • Accidental death 
  • Permanent disablement
  • Temporary total or partial disablement
  • Medical expenses
  • Hospitalisation benefits
  • Funeral expenses

Does It Benefit Only Me?

personal accident insurance - AIG Malaysia

PA does not only protect you but also the loved ones around you. Recovering from an accident will take a hit emotionally and financially. Being out of work due to a disability or accident may shake your family’s income, but PA would come a long way to help this issue as you regroup and recover with your family. 

Certain insurance providers also allow PA coverage for your spouse and family members. This means they too can be protected from critical injuries that could come from an accident. PA for your family members means that you don’t have to worry about the costs it’ll take for your child or partner’s recovery.

Should I Get a Personal Accident Insurance?

While it seems to make more sense to get a life or health insurance to protect you and your family, a PA gives you extra coverage to protect you and your family in case the worst happens. Disability requires a lot of care and rehabilitation. PA allows you to take care of those during your recovery so you can get better and move on with your life with fewer worries. 


Accidents can happen when we least expect it. Whether it’s from natural disasters or a car crash, you can protect yourself and your family with personal accident insurance. Learn more about how you can get insured from accidents anywhere in the world here

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