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Personal Accident Insurance

What is Personal Accident Insurance?

Personal accident cover is an insurance policy that offers you a level of financial protection if you suffer an injury, or death, caused by an accident, as well as for hospitalisation or convalescence in the event of Pandemic Disease Syndromes. A serious injury could mean that you’re unable to work for a period of time, or perhaps you may have to pay for medical assistance or other costs as you recover.

Personal accident insurance is designed to pay out a sum of money in this instance, which can help you or your family to pay the bills or deal with other expenses resulting from the incident.

The amount of money that the policy will pay out depends on the level of cover that you have in place. With Personal Accident Insurance from PSA, you can tailor your policy to your requirements.You only pay for what you need.

With PSA’s Personal Accident Cover, your dependent children receive cover for free, under the adult policy of one paying parent.

What Does Personal Accident Insurance Cover?

Personal Accident Insurance from PSA covers a wide range of different elements, with the cover designed to look after your health and wellbeing in the case of an accident.

Your specific policy can be tailored to your needs, and some of the options will mean that sums are paid out for include, but are not limited to:

Health and medical expenses
Hospitalization fees
Pandemic disease syndromes
Cosmetic procedures for children following an accident
Wheelchair or prostheses
Lost school fees if the injured child cannot attend their school
Private tuition for an injured child who needs some extra educational support
Accidental death
Funeral expenses
Psychological assistance sessions after the accident
Home assistance if it is required after the accident
Costs of boarding your pets if you’re unable to care for them due to accident

Do I Need Personal Accident Insurance?

Whether Personal Accident Insurance is right for you will depend on your circumstances. Many people choose this type of cover because they want the peace of mind that, should the unexpected happen, they have a level of financial protection in place.

No one likes to think of themselves or their child being involved in an accident, but these things do happen sometimes. With Personal Accident Cover, you are prepared just in case.

What are the Personal Accident Insurance Premium Rates?

When you choose Personal Accident Insurance from PSA, there are a number of different levels of cover to pick from, along with a wide range of options that you can add to your policy, to make sure that the areas most important to you and your family are included. The premium rates will vary from policy to policy, depending on what elements you choose to include in your policy, but standard cover starts from €4 per adult per month.

If you want to know what types of personal accident insurance policy cover you can choose from to meet your requirements, you can view our Insurance General Terms and Conditions and the Insurance Product Information Document.

Is Personal Accident Cover Valid Abroad?

If you are covered by PSA’s Personal Accident Insurance in France , and you are on vacation in another country, you are still covered by your policy whilst you are away, as long as you are a permanent resident of France.

This means that if you are to have an accident abroad and are injured as a result, your PSA Personal Accident Cover is still active for you and any children you have included on the policy.

How Do I Make a Claim on my Personal Accident Cover?

To make a claim on your PSA Personal Accident Insurance policy, you must log in to your PSA Insurance Solutions account online and start the process there.

What is the Maximum Indemnity Level on Personal Accident Insurance?

The maximum indemnity level on your Personal Accident Insurance policy from PSA will depend on the level of cover your specific policy has in place. Each aspect of the cover included in your individual policy will have its own indemnity limit, based on your premium rate. These limits will be clearly outlined before you purchase the policy so you can be sure what is included and the potential benefit to be paid out in the event of an accident.

You can compare the different levels of cover and any optional additions to your policy here.

Can I Add My Children to My Personal Accident Cover Policy?

With PSA’s Personal Accident Insurance, your dependent children are covered under your policy for no extra cost. You need to let us know the details of your children to add to your cover when you take out the policy. If you have a newborn child whilst your policy is already in place, this child can be added to your cover for the remainder of your policy term if you contact us to let us know.

View the Insurance General Terms and Conditions and the Insurance Product Information Document to see what cover is included for your child/children.

Is there a Limit to the Number of Dependent Children Covered by My Personal Accident Insurance Policy?

There are no limits to the number of dependent children that can be included under each adult Personal Accident Insurance policy from PSA.

For the purposes of this type of cover from PSA, a child is considered to be under the age of 18. However, if you have older children who are engaged in Full-time study, who is not married or entered into a civil partnership, Personal Accident Insurance from PSA will continue to cover them under your policy up to the age of 25.

Does My Spouse or Partner Need a Separate Personal Accident Insurance Policy?

Your Personal Accident Insurance policy from PSA includes cover for you and your dependent children as well as your spouse or partner all under the same policy.

If I Have Life Insurance, Do I Still Need Personal Accident Insurance?

There may be some aspects of Personal Accident Insurance that are included in your cover from a separate life insurance policy, such as a sum of money being paid out if the policy holder is unfortunately killed in an accident. However, it is unlikely that all of the benefits from PSA’s Personal Accident Insurance will be covered by a different type of single policy. In case you have a life insurance policy please check your covers to avoid any possible overlaps with our Personal Accident Insurance.

The elements included in a Personal Accident Insurance policy from PSA offer a wide range of potential coverage, including everything from paying out for health and medical expenses, or for psychological assistance sessions after the accident, to paying out for home assistance or even lost children’s school fees, when applicable.

I Have Health Insurance; Do I Still Need Personal Accident Cover?

If you have a private health insurance policy, this usually means that you are covered for some or all of the medical treatment you might need to help with your recovery from an accident that leaves you injured. However, there might be other elements of your life that have been impacted by the accident and aren’t covered by your health insurance. In case you have a health insurance policy please check your covers to avoid any possible overlaps with our Personal Accident Insurance.

Personal Accident Cover by PSA is designed to help you and your family in case the unexpected happens. Our insurance includes options that can offer practical assistance for you or your children after the accident, in addition to psychological support sessions and even cover that includes boarding for your pets if you are unable to look after them in the immediate aftermath of the incident. To see the full range of benefits offered by PSA’s Personal Accident Insurance Cover, view the Insurance General Terms and Conditions and the Insurance Product Information Document .

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