Start with the essentials

Personal accident, health and term life policies cover different events. Check what an existing employer or scheme already provides before buying overlapping cover. Read the actual policy wording rather than relying on a sales summary.

What you can do

  1. Check waiting periods, exclusions, co-payments, room limits and renewal conditions where applicable.
  2. Declare health and occupation details accurately and keep a copy of the completed proposal.
  3. Share the policy number and claim contact with a trusted family member.

Keep in mind

Coverage depends on the contract and insurer assessment. Ask the insurer or a qualified adviser to explain terms you do not understand before paying.

Further reading & official resources

Check current terms and guidance with the responsible provider. References are for background reading and do not imply endorsement.

Something we should correct?

Tell us which passage needs attention and include a source if you have one. Contact the desk →