Personal Accident Insurance
Protection against everyday accidents at home, at work or during leisure activities
Personal accident insurance is suitable for individuals, children, young people, sports participants, self-employed people and anyone seeking additional personal protection. It can provide support following accidents arising from everyday activities, whether or not they are considered higher risk.
As insurance brokers, we help you find the solution best suited to your circumstances, needs and budget. We work with a range of leading insurers to offer you suitable cover at the best price.
Personal Accident Insurance Cover
Standard Cover
– Accidental death;
– Permanent disability following an accident;
– Medical expenses;
– Hospitalisation expenses;
– Funeral expenses.
Additional Cover Available
– Temporary incapacity;
– Specific sporting activities;
– Travel assistance.
The cover selected should reflect your needs and the risks you wish to insure against.
Always check the cover, exclusions and sums insured stated in the policy.
More protection. Less risk.
Get a quote for your Personal Accident Insurance
We’ll provide a free, no-obligation review of your insurance.
FAQs
What are personal accidents?
Personal accidents are sudden, external and unexpected events that may cause bodily injury, disability or death. Examples include falls, accidents at home, leisure-related incidents and sporting accidents.
What is not covered?
Exclusions usually include illness, intentionally caused incidents, accidents occurring under the influence of alcohol and other circumstances specified in the policy terms. It is therefore important to check the exclusions before taking out the insurance.
What is the difference between Personal Accident Insurance and Health Insurance?
Personal Accident Insurance covers the consequences of sudden, external and unexpected accidents, such as bodily injury, disability or death. Health Insurance is primarily designed to provide access to healthcare, including medical appointments, diagnostic tests, treatments and hospital stays. They are different types of insurance but can complement each other.
Does this insurance cover accidents while travelling?
Yes. Some policies may provide cover outside Portugal. However, this will depend on the policy terms, destination and type of journey.
Does Personal Accident Insurance cover sporting activities?
Yes. It may cover certain sporting activities, depending on the sport and the policy terms. However, organised competitive, professional or higher-risk sports may require specific cover.
How is the price calculated?
The price depends on the insured person’s age, the sums insured, the activities covered and the associated risks. We therefore assess each case before providing a tailored quote.