Generally, this insurance covers the following:
- Lump-sum payment to the designated beneficiaries or dependents in the event of accidental death of the insured
- Lump-sum payment to the insured in the event of a partial or total disability from an accident
- Payment of the insured amount per day for short-term disability resulting in loss of income duly attested
- Reimbursement of medical expenses incurred as a result of an accident.
This insurance covers the insured in both individually (independently) and at work (or work-related events).