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Personal Accident Insurance
Personal accident solutions that fit your needs
Let us help you protect yourself and your loved ones today
What is Personal Accident Insurance?
Let us take care of you and your family with our individual personal accident insurance. If a sudden accident or illness causes unexpected injury, our insurance solutions can help you protect your finances and you from the high costs of an emergency.
Explore our Solutions
Personal Accident Plans
Personal Accident Plans
Critical Illness Cover
It can come as a shock when you are diagnosed with a sudden and serious illness and the uncertainty that follows can take a significant emotional stress on you and your loved ones.
Pan‑American Life Critical Illness Cover is here to give you one less thing to worry about. Under the terms and conditions of the policy, if you are diagnosed with one of the twenty covered illnesses, we will pay you a lump sum to lessen the financial strain of your illness.
When a Child Gets Sick
Nothing makes a parent feel more helpless than not being able to provide the care their child needs when they are ill. Pan‑American Life Critical Illness cover is the only plan that allows you to add a child rider to your policy so that if you child is diagnosed with one of the covered illnesses, you’ll have resources to support their recovery.
Lump sum benefit payable upon the following critical illnesses:
Cancer | Third‑degree burns |
Heart attack | Alzheimer's disease |
Renal failure | Parkinson's disease |
Multiple sclerosis | Blindness |
Organ transplant | Paralysis |
Coronary artery bypass surgery | Heart valve surgery |
Coma | Motor neuron disease |
Traumatic brain injury | Benign brain Tumor |
Stroke | Loss Of hearing, speech and limbs |
Cancer Care
Our Cancer Care product is designed to cover immediate critical medical costs and loss of income in case of you being diagnosed with cancer unless the specific cancer is excluded. The plan also can be extended to cover spouse and children.
Cancer Care Product Benefits:
- You can receive cost‑effective coverage to cover medical expenses and loss of income if diagnosed with cancer, so to enable you to continue to meet your daily financial needs.
- You also have the option to supplement with our life insurance or Term Life insurance when it is needed.
The major benefits are:
- Life coverage
- Medical coverage including surgery, radiation and chemotherapy
- Loss of income
Why choose Pan‑American Life
- Cancer is one of the most expensive treatments to receive if you are diagnosed with same
- The cost of treatment will remove the ability for your household to meet its regular commitments.
- Gives your family the peace of mind to meet their bills and expenses if anyone is diagnosed with cancer.
Circles Of Protection
This product is designed to assist you by selecting the following types or “Circles” of insurance protection in a single policy:
Circle 1: When your income is lost because of an unexpected accident, get 3‑way protection.
- Accidental loss of life
- Permanent partial
- Permanent disability
- Double indemnity option
Circle 2: Your ability to earn an income is your single greatest asset. We can protect this asset against unforeseen accidents or sickness.
- Weekly accident and/or sickness disability income
Circle 3: Blanket protection against medical expenses caused by accidents.
- Accidental medical expenses reimbursement
Circle 4: Daily cash paid directly to you when hospitalized for accident or sickness.
- Accident & sickness in‑hospital income
- Convalescent care income
- In‑hospital surgical expenses
Circle 5: Guarantee monthly income for life for those you love.
- Lifetime income plan accident annuity
Express Cover
A Personal Accident insurance policy which provides compensation in the event of injuries, disability or death caused by violent, accidental, external and visible event.
Critical Illness Cover
Cancer Care
Circles Of Protection
Express Cover
It can come as a shock when you are diagnosed with a sudden and serious illness and the uncertainty that follows can take a significant emotional stress on you and your loved ones.
Pan‑American Life Critical Illness Cover is here to give you one less thing to worry about. Under the terms and conditions of the policy, if you are diagnosed with one of the twenty covered illnesses, we will pay you a lump sum to lessen the financial strain of your illness.
When a Child Gets Sick
Nothing makes a parent feel more helpless than not being able to provide the care their child needs when they are ill. Pan‑American Life Critical Illness cover is the only plan that allows you to add a child rider to your policy so that if you child is diagnosed with one of the covered illnesses, you’ll have resources to support their recovery.
Lump sum benefit payable upon the following critical illnesses:
Cancer | Third‑degree burns |
Heart attack | Alzheimer's disease |
Renal failure | Parkinson's disease |
Multiple sclerosis | Blindness |
Organ transplant | Paralysis |
Coronary artery bypass surgery | Heart valve surgery |
Coma | Motor neuron disease |
Traumatic brain injury | Benign brain Tumor |
Stroke | Loss Of hearing, speech and limbs |
The benefits described are subject to the terms and conditions of the policy. For further information, please contact your Pan‑American Life Representative. To the extent permitted by law, the information, products, or names in this presentation, or in any other form of sales/marketing literature are provided without warranties of any kind, express or implied; Pan‑American Life Insurance Group and its member companies, disclaim all express or implied warranties of merchantability and fitness for a particular purpose.
All products and services are sold and underwritten by the Pan‑American Life Insurance Group licensed affiliate in each jurisdiction.
Additional Resources
Resource Center
Access additional resources, forms, applications, product terms and conditions and additional policy benefits
