
Health vs. Personal Accident
What’s the difference?
Health Insurance
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Covers medical expenses for hospital treatments arising from illnesses, injuries and other medical conditions. This includes pre- and post-hospitalisation bills, as well as chronic outpatient treatments
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Does not cover infectious diseases
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Does not pay a lump sum in the event of sudden death, and total and permanent disability due to accidents
Personal Accident Insurance
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Only covers outpatient medical expenses and hospital treatments arising from accidental injuries
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May cover selected infectious diseases
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Pays a lump sum in the event of sudden death, total and permanent disability due to accidents
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