Insured persons
The individuals or groups included in the programme.
People & wellbeing
Personal Accident
Provide defined financial benefits following an accidental injury.
Personal Accident addresses accidental death, permanent disability and selected accident-related medical expenses.
Introduction
What is Personal Accident?
Personal Accident is commonly considered by employers, associations, schools, event organisers and individuals seeking accident protection. It can address accidental death, permanent disability and selected accident-related medical expenses.
What it protects
What can the policy protect?
Personal Accident should define who is insured and the benefits payable following an accidental death or disability.
Accidental death and disability benefits
The benefit amounts payable following an insured accidental event.
Common events
What types of loss can be covered?
The examples alongside help test the proposed programme against realistic situations. They guide the conversation but do not represent automatic cover.
Accidental death
An insured accident results in the death of an insured person.
Accidental disability
An insured accident results in a covered disability.
Programme context
Where this cover fits
Industry applications
The role of the cover should reflect the operation, contractual responsibilities and potential severity of loss.
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Garment & Textiles
For labour-intensive production, valuable stock and delivery commitments across local and export markets.
Hotels & Hospitality
For public-facing operations where premises, people, service continuity and reputation all matter.
Manufacturing
For operations where machinery, stock, people, suppliers and production continuity work as one system.
Mining, Metals & Minerals
For remote, capital-intensive operations with heavy equipment, specialist people and complex logistics.
Independent employee benefits review
Review Personal Accident with Talisman.
Share your current wording, renewal terms or information about the requirement. We will help identify the practical next step.
Illustrative information only. Coverage, availability, limits and terms depend on the risk profile, insurer approval and final policy wording.