Personal accident insurance does not cover any injuries that are self-inflicted, intentional, or caused by a policyholder's negligence.

Premium is a flat amount linked to the level of plan chosen by you which is inclusive of all additional charges.

Accident or accidental shall mean a sudden, unforeseen, and unexpected, visible, physical and identifiable event happening by chance from the viewpoint of the insured person, the occurrence of which has not been contributed to or influenced by the insured person and which results in bodily injury to the insured person. Accident shall always exclude assault.