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Personal Accident Insurance (PAI), also known as Accidental Death and Dismemberment Insurance, pays a benefit in the event of an accidental death. It also pays a full or partial benefit in the event of dismemberment, loss of vision or loss of hearing because of an accident. Personal Accident insurance is an affordable supplement to life insurance. Personal Accident Insurance (PAI) provides accidental death benefits and emergency medical expense benefits to the renter and all passengers. Personal accident policies are one of the clearest examples of non-indemnity insurance contracts. Benefits-eligible employees have the opportunity to elect additional accidental death and dismemberment coverage. The CGU Voluntary Workers Personal Accident policy has been designed to provide income protection to people who are injured while performing voluntary work. Personal accident insurance policies were earlier issued for one-year terms like any other non-life insurance product. PAI can be taken out by a business or individual.
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