Personal Accident Insurance: What It Covers
⏱ 2 min read
Personal accident insurance responds to bodily injury caused by a sudden, external event. It does not cover illness — only consequences arising from an accident.
Core benefits
- Accidental death: a sum paid to beneficiaries.
- Permanent disability: proportional payment according to the degree of disability.
- Treatment expenses: medical costs after an accident, subject to the policy.
- Daily benefit: a per-day amount for days unable to work.
Who benefits most?
Self-employed people and traders, for whom time off equals lost income; field workers; motorcyclists; people doing sports; and school-age children. Because premiums are low, it is often bought as a complement to health cover.
Exclusions
Accidents under the influence of alcohol or drugs, driving without a valid licence, professional hazardous sports (unless specifically covered) and intentional acts.
Difference from health insurance
Health insurance pays treatment costs for illness and accident; personal accident pays compensation for outcomes such as permanent disability or death. They address different risks and do not replace each other.
Frequently asked questions
Does it cover illness?
No. Only conditions resulting from a sudden, external accident are covered.
Is it worth it for a child?
Yes. It covers school and sports accident risks at a low premium and complements the health policy.
Related pages
Insurance advice in Maslak and the surrounding area
“Personal Accident Insurance: What It Covers” is one of the questions we are asked most often by clients in Maslak 1453, Vadistanbul and Ayazağa. For families with mortgages in the Maslak area we explain why loan-linked life cover protects the bank, not the household, and what separate cover is needed.
Our office is based in Maslak, Istanbul. We meet clients within a short drive — Maslak 1453, Vadistanbul and Ayazağa — or handle everything by phone, e-mail and WhatsApp, in Turkish and English. If you are searching on your phone for an insurance agency nearby, you can simply call +90 540 384 21 41 or see the related service page.
We compare policies from several insurers and explain the differences before you buy. Contact us or call +90 540 384 21 41.
