Buy Personal Accident Insurance Plan for as low as Rs. 190/year
Benefits of Personal Accident Insurance
Accidental Death Coverage
Personal accidental insurance provides Lump-sum benefit as per selected plan in the face of accidental death.
Hospital Expense Coverage
Reimbursement of hospital expenses in case of Participant's hospitalization as a result of an accident.
Highly Affordable Premium
Personal accidental insurance can b be acquired from as low as Rs. 190 per/year and provides coverage up to 15Lakh.
Protection for Family
Personal accidental insurance protects your family, against any financial uncertainty. It provides for your family needs and requirements, in your absence.
14 Days Money Back
Some companies provide a 14 days free look period, in case you don't want to continue with the procured policy.
Easy Buy
You can easily buy a personal accident policy of your choice from Smartchoice as quick as 10 minutes.
Top-rated insurance marketplace
4.8
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4.7
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Yousaf Abaseen
Prompt service and good customer support. Highly recommended. I purchased my travel insurance for my one month trip to the US and Canada from them.
Umair Mushtaq
Its my second time using their services for my international travel. This time I bought 5 travel insurances for myself and my friends and these efficient guys did the work in just few days.
Totally recommended
Hurria Saleem Akhtar
Smart Choice is an excellent portal to search for and compare different sort of insurances. I looked up for a travel insurance for Turkey and got what I wanted. Very cooperative company. Definitely coming back to them for my upcoming visit to Egypt.
Talha Khan
Sitting home n just got done my travel insurance in just an hour or so. Good job n tks again.
Ummat Ul Ain
Got the policy issued and delivered within few hours.
The team is very friendly and cooperative.
Highly recommended and appreciated.
Cheers!
Sohaib Ahmed
I got a 50% discount on my yearly health plan. The online transaction was done smoothly. Their customer service is great, with qualified and polite staff. Overall it was a great experience and I would be happy to do business with them in the future as well.
Akif Syed
Until now I was relying upon travel agents to get me travel insurance; on Friday I asked my agent to get me quotes. As he did not respond and my son had to leave early, I searched on the net and reached Smartchoice.pk. It was so simple that in future I will only go to Smartchoice.pk. In fact, there is the provision of a refund in case of visa refusal which is a great service. Before we used to be dependant upon agents for this also.
Yousaf Abaseen
Prompt service and good customer support. Highly recommended. I purchased my travel insurance for my one month trip to the US and Canada from them.
Umair Mushtaq
Its my second time using their services for my international travel. This time I bought 5 travel insurances for myself and my friends and these efficient guys did the work in just few days.
Totally recommended
Hurria Saleem Akhtar
Smart Choice is an excellent portal to search for and compare different sort of insurances. I looked up for a travel insurance for Turkey and got what I wanted. Very cooperative company. Definitely coming back to them for my upcoming visit to Egypt.
Talha Khan
Sitting home n just got done my travel insurance in just an hour or so. Good job n tks again.
Ummat Ul Ain
Got the policy issued and delivered within few hours.
The team is very friendly and cooperative.
Highly recommended and appreciated.
Cheers!
Sohaib Ahmed
I got a 50% discount on my yearly health plan. The online transaction was done smoothly. Their customer service is great, with qualified and polite staff. Overall it was a great experience and I would be happy to do business with them in the future as well.
Akif Syed
Until now I was relying upon travel agents to get me travel insurance; on Friday I asked my agent to get me quotes. As he did not respond and my son had to leave early, I searched on the net and reached Smartchoice.pk. It was so simple that in future I will only go to Smartchoice.pk. In fact, there is the provision of a refund in case of visa refusal which is a great service. Before we used to be dependant upon agents for this also.
Yousaf Abaseen
Prompt service and good customer support. Highly recommended. I purchased my travel insurance for my one month trip to the US and Canada from them.
Personal Accidental Guide
What is Personal Accidental Insurance?
Personal Accidental insurance can be bought for a period of one year. It has a low premium and very high coverage. It is a plan for all the “ifs” in life. This insurance provides financial coverage in case of accidental death of the policyholder, some companies may even provide hospitalization benefit. The family of the participant shall be provided with the coverage amount depending on the plan procured. Personal accidental Plan is time-specific and after every 12months (1 year) you need to buy the policy again. Usually, the policy covers individuals 18-61 and enrollment age is from 18-60, the coverage and enrollment age may also vary from company to company. Some companies even provide a 14-day free-look period, during which you can cancel the policy if not satisfied.
What is the benefit of Personal Accidental Insurance?
The main benefit of the Personal accidental Insurance is that in case of accidental death. This policy provides a financial benefit to the family to immediately cope up with the financial loss the family may face due to the loss of an individual. The lump-sum money provided can be used for funeral expenses, to pay off debts, to finance education etc.etc. Some providers might also provide hospitalization expenses, terms and conditions applied.
What is not included in Personal Accidental Insurance?
Personal Accidental insurance does not cover any accidental death has been the result of suicide or self-inflicted injury. Illness or disease unless this is a direct result of an accident. If Medicines are taken incorrectly without proper information regarding the side-effects. If a participant is murdered due to enmity or any other reason. Engaging in racing of any kind other than athletics or swimming, participation in sports or pastimes of a hazardous nature including but not limited to parachuting, parascending, potholing, mountaineering, hot air ballooning, big game shooting or polo Any breach of law by the Participant or assault provoked by him/her or Injury caused by nuclear fusion or radioactive contamination. Any death due to any kind of pre-existing condition.
What is the difference between Personal Accidental Insurance and Whole Life Insurance?
Life is unpredictable. The personal accidental plan is designed to cover you against the risk of accidental death. It is a defined benefit plan wherein in the case of accidental death of the life assured, the beneficiary will get the lump sum amount as per the selected plan. Personal Accidental insurance is for a specific time period that is 12 months if the policy is not claimed within the time period, it expires and to continue with the coverage you need to procure new policy after every 1 year from the date of policy purchased. It can be bought by an individual above the age of 18 till 60 each year by paying a very low premium against a very high coverage. Whole Life Insurance is provided by multiple companies, it is a long term commitment and has a policy maturity period around 20 years, the covered amount can only be claimed once the policy has matured or you die, in that case, the monetary benefit is provided to the person nominated, a full claim can be expected both in case of accidental death or at the time of policy maturity.
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear r… +
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear response, even if the response is to confirm that the specific request is not part of services, etc. -
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues wi… +
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues with individual policies. Thanks to SmartChoice for giving us the platform. Last but not least, Mr. Ajay Kumar is a very good person. He knows everything about the insurance offering and always offers the best-suited policy. If I say he is working on the SmartChoice.PK's mission is to offer the best policies tailored to your needs, so I won't be wrong. Thank you, Ajay, and SmartChoice.pk -
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled … +
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled my claim during a hospital emergency without any stress. Responsive, honest, and truly client-first. Highly recommend. Sobia shams., Karachi -
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very… +
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very professional, polite, and helpful throughout. She responded quickly and guided me properly regarding my issue. Overall, I am satisfied with the service and would recommend Smartchoice.pk to others for travel insurance.” -
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank yo… +
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank you -
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in ti… +
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in time in a critical time where there was an urgent need situation, also selecting best plan in best cost. Was available to support 24/7. Allah bless for such amazing service. -
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this … +
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this car insurance. -
I live in USA. I don't know much about vehicle insurance and so. Somehow I found Aisha bukhari. She was honest and very helpful to get the best insurance for my new bike. Also I am going to get car insurance so… +
I live in USA. I don't know much about vehicle insurance and so. Somehow I found Aisha bukhari. She was honest and very helpful to get the best insurance for my new bike. Also I am going to get car insurance soon by her. Just wanted to say special Thx to Aisha. ⭐⭐⭐⭐⭐ -
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart c… +
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart choice -
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart c… +
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart choice -
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best cove… +
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best coverage at a competitive price. The customer support team Ayesha Bukhari was highly responsive and guided me through every step of the process, ensuring I understood all the details before finalizing my policy. What impressed me most was the transparency and quick turnaround time—everything was processed smoothly without any hidden charges or complications. I highly recommend Smartchoice for anyone looking for reliable and hassle-free car insurance in Pakistan." -
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best cove… +
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best coverage at a competitive price. The customer support team Ayesha Bukhari was highly responsive and guided me through every step of the process, ensuring I understood all the details before finalizing my policy. What impressed me most was the transparency and quick turnaround time—everything was processed smoothly without any hidden charges or complications. I highly recommend Smartchoice for anyone looking for reliable and hassle-free car insurance in Pakistan." -
Thank you for your support with my insurance needs. I truly appreciate the clear communication, friendly staff, and the overall positive experience. Everyone I interacted with was professional and kind. I’m gla… +
Thank you for your support with my insurance needs. I truly appreciate the clear communication, friendly staff, and the overall positive experience. Everyone I interacted with was professional and kind. I’m glad I chose to take services from your team. -
I had an excellent experience with SmartChoice.pk. Thank you for providing such an informative and helpful platform. I obtained health insurance information through your website last year, and I recently had th… +
I had an excellent experience with SmartChoice.pk. Thank you for providing such an informative and helpful platform. I obtained health insurance information through your website last year, and I recently had the opportunity to use that insurance plan. The entire process was smooth and hassle-free. A representative from SmartChoice guided me throughout and was consistently available to answer my questions and provide assistance whenever needed. -