Personal Accident Insurance Calculator

Personal accident insurance pays a tax-free lump sum for specified injuries such as permanent disablement, loss of limb, or loss of sight. Useful alongside income protection for higher earners with significant financial commitments.

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.