Personal Accident Insurance Calculator
Our personal accident insurance calculator estimates the cost of a policy that pays a lump sum if you suffer a permanent disability, loss of limb or sight, or death as a result of an accident — providing financial support during a life-changing event.
Personal Accident Insurance Calculator
Estimate the cost of personal accident insurance. Pays a lump sum or weekly benefit if you're injured in an accident and can't work.
What Personal Accident Insurance Covers
Personal accident (PA) insurance pays specified lump sums for defined accidental outcomes: accidental death; permanent total disablement; loss of limb; loss of sight; loss of speech or hearing; and in some policies, temporary total disablement (weekly benefit while unable to work). Unlike income protection, PA insurance pays a one-off capital sum. Unlike life insurance, it pays on serious injury as well as death — providing an immediate capital injection for life-changing injuries requiring major adaptations or care costs. PA is complementary to life insurance and income protection. Use our Income Protection Calculator to model the monthly cover option alongside this lump sum assessment, and our Critical Illness Calculator to compare the illness-triggered equivalent.
Frequently Asked Questions
No — critical illness pays on diagnosis of specified medical conditions. Personal accident pays on accidental injury outcomes. A serious car accident causing permanent disability is covered by PA but not CI.
Illness-related disability is not covered — only accidents. Self-inflicted injuries, injuries under the influence of alcohol or drugs, high-risk activities, and pre-existing conditions are typically excluded.
Yes — many family PA policies cover all household members including children. Payouts on child policies go to the parents or legal guardians.
If you are injured due to employer or third-party negligence, those liability policies provide compensation. But if the accident is your own fault or in a private setting, only your own personal accident insurance provides a payout.
Yes — they serve different purposes. IP replaces monthly income; PA provides a one-off capital sum for life-changing permanent outcomes. The immediate capital from PA can fund home adaptations or pay off a mortgage that monthly IP alone cannot address.
Enter your occupation and required benefit level. Personal accident insurance pays a lump sum or weekly benefit on accidental injury resulting in death, loss of limb, loss of sight, or temporary total disablement. The premium is occupation-rated: manual workers and those in higher-risk environments pay more than office-based employees. Check what is covered carefully — some policies only pay on permanent disability, while others also cover temporary inability to work. Compare personal accident insurance against a broader income protection policy, which covers illness as well as injury and typically provides more comprehensive protection for a similar premium. For self-employed workers without sick pay, income protection generally provides better value than personal accident alone.
Important Information
This calculator is provided for general information and planning purposes only. It does not constitute financial or tax advice and should not be relied upon as such. Figures are indicative estimates based on simplified, publicly available criteria and stated assumptions. Actual results depend on your full circumstances. See our Disclaimer for further information.