• To provide compensation in the event of an accident causing death or injury
  • The purpose of personal accident insurance is to pay fixed compensation for death or disablement resulting from accidental bodily injury.
  • Personal accident and sickness policies are renewable annually and if a claim has occurred which could be of a recurring nature, the cover may be restricted at renewal or in severe cases renewal may not be offered
  • It is against accident happening at any time and anywhere including flying as a ticket holding passenger in an aircraft operated by an Air Transport organization providing scheduled air services.


Three types of Table:

  • Table A
  • Table B
  • Table C


Table A
Death permanent and temporary disablement.


Table B
Death permanent total and partial disablement.


Table C
Death only.


Compensation Scale

Table A Table B Table C
CLASS 1 TK.30.00 TK 12.50 TK 8.50
CLASS 2 TK.40.00 TK.16.00 TK.11.00
CLASS 3 Tk.50.00 Tk.21.00 Tk.15.00


  • Annual Premium for Sum Insured of Tk.10, 000.
  • For Ages between 16 and 65 years.
  • Larger compensation medical expenses can be included under Table “A” at an additional premium @10% of basic premium.


Group Personal Accident Policy
Issued where there is some common relationship among the persons to be insured.


People´s Personal Accident Insurance

  • Same as personal accident policy.
  • Sum-insured is limited Tk.1, 00,000/-
  • Premium very low –Tk.60/-