Call us on : 0112 428 428

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Bad things happen to the best of us

 Accidents are untimely. Accidents aren’t planned. Accidents are a bummer.

No matter where you are there could be a stroke of bad luck, be it at home, at work, or even on vacation. So, before the unexpected happens make sure that you and your family are protected against any sudden sky rocketing expenses. Be safe with the correct personal accident plan .

Fairfirst’s Personal Accident Insurance is no ordinary insurance. It provides coverage for accidental death, partial or total disability, medical expenses and hospitalisation for up to 30 days due to an accident. What’s more, your gear and equipment is also covered upto LKR 250,000!

Personal Accident Insurance tailored towards helping you follow your passion

Whether you’re backpacking with all your camping gear in a rucksack or setting off on an evening cycling ride with your family, we’ve got you covered. Not only will you be protected incase of an accident but we’ll also make sure the equipment & gear you love the most is taken care of as well.

  • Choose between 7 common activities - Don’t worry there’s more to come!
  • 3 benefit plans to choose from
  • Cover includes hospitalization expenses
  • Upto LKR 250,000 benefit for gear and equipment

Here are a few of our special add ons

Special covers to suit your lifestyle

Death and Permanent Disability due to an Accident

Accidental Death and Permanent Disability

Let’s face it, on an adventurous journey or even a peaceful stroll down the lane, obstacles are imminent. So, when life does not give us lemons, we need to be ready with anything unexpected. That’s why we’ve got you covered against Death or Total Permanent Disability in the case of an accident

Medical Expenses due to an Accident

Medical Expenses due to an Accident

Worried about hospitalization and rocketing medical bills due to an accident? Worry not, we say… because we’ve got you covered.

Sports & Other Outdoor Activities

Sports & Other Outdoor Activity

Pssst…you wanna know why this cover is different from the rest? It’s because we cover you (wait for it)…and your equipment & gear!! So, go on and conquer your dreams. What more can you ask for!

Compare Covers

Choose the best option for you

Silver

For those looking to try out new things

  • Accidental death coverupto LKR 500,000
  • Permanent disability cover including permanent total disabilityupto LKR 500,000
  • Funeral expenses coverageupto LKR 30,000
  • Education grant in the event of accidental death upto LKR 25,000
  • Expense cover for wheel chair, prosthesis or crutches due to an accident upto LKR 50,000
  • Gear & equipment cover upto LKR 75,000

Gold

A bit more for you adventurous lot

  • Accidental death cover upto LKR 1,000,000
  • Permanent disability cover including permanent total disabilityupto LKR 1,000,000
  • Funeral expenses coverage upto LKR 30,000
  • Education grant in the event of accidental death upto LKR 50,000
  • Expense cover for wheel chair, prosthesis or crutches due to an accident upto LKR 50,000
  • Gear & equipment cover upto LKR 150,000

Platinum

Designed for you adventure junkies

  • Accidental death cover upto LKR 2,500,000
  • Permanent disability cover including permanent total disabilityupto LKR 2,500,000
  • Funeral expenses coverage upto LKR 40,000
  • Education Grant in the event of accidental death upto LKR 50,000
  • Expense cover for wheel chair, prosthesis or crutches due to an accident upto LKR 50,000
  • Gear & equipment coverupto LKR 250,000

 

Protect yourself and your passion

You’re one click away from comprehensive Personal Accident insurance

 

  

What is personal accident insurance?

Personal accident insurance covers you from an accident no matter where you in the world. The cover provides you with either a lump sum or reimbursements for out-of-pocket expenses in case of injury, disability or death.

The premiums are fixed, and you do not need to undergo any medical examination before the policy is incepted.

Unlike traditional Personal Accident Insurance, Fairfirst offers affordable coverage over a wide range of accidents, including but not limited to:

Camping trips
Cycling
Swimming
Surfing
Gym
Sports
Hiking

What does this policy cover?

Main benefits

Accidental death cover up to a maximum of Rs.2.5 MN
Permanent disability cover up to a maximum of Rs.2.5 MN

Free benefits

Double the benefit for accidents when you travel in public transport – If an accident occurs while the insured person is on board public transportation as a fare paying passgenger, we pay twice the sum insured for death.
Funeral expenses – Funeral expenses in the event of death of the insured person resulting from an accident.
Bereavement expenses for death of the insured due to dengue fever – If the insured person sustains death as a result of dengue fever.
Education grant – If the insured person sustains bodily injury resulting in death, we pay the education fees for the insured person’s surviving dependent child.
Mobility assistance if the insured person sustains bodily injury resulting in permanent total disablement, we pay the costs of the following equipment; Wheel chair, Artificial limbs (Jaipur foot) and Crutches.
Damaged clothes and personal effects – If the insured person is involved in an accident where his/her clothes and other personal effects are damaged at the time of the accident, we pay the replacement cost of such clothes and personal effects.

WHAT THIS POLICY DOES NOT COVER

  • Natural death
  • Self-harm or suicide
  • Accidents under the influence of liquor
  • People suffering from mental illnesses
  • Air crews
  • Racing other than on foot
  • Hazardous sports and pastimes
  • Congenital or pre-existing medical conditions
  • Active participation in riots
  • Military services

 

HOW TO INTIMATE A CLAIM

  • In the event of accident immediately dial 0112 428 428.

 

PROVISIONS RELATING TO CANCELLATION OF THE POLICY

Insurer cancellation

  • Due to Misrepresentation or any fraudulent misconduct by the insured.
  • Non-payment of premium.

Prior to cancellation of the policy, a 7 days’ notice will be sent to the insured via registered post or mailed to the last shown address by our records, stating when such cancellation shall be effective. In such event the company will return to the insured the premium paid less the pro-rata portion thereof for the period the policy has been in force.

Insured cancellation

Prior to cancellation of the policy, a 7 days’ notice should be sent to the insurer via registered post or mailed to the last shown address. In such event a refund of the premium will be paid to the insured on a short period basis.

 

This is a brief of this insurance cover. For exclusions, conditions & more details please call us on 0112 428 428 or refer the policy document.

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