Who Can Apply for Personal Accident Insurance?

16 Jul 2014

Most people are eligible to apply for PA Insurance. However, some details such may differ depending on the policy.

People who aren't eligible to be covered under PA Insurance are those with high career risk for example the police, military and law enforcement officers, divers, pilots or crew members, aircraft testers, racing drivers, fishermen.

People who fall under this category usually have their employer take a special form of PA insurance for them. The payment of compensation to the employees is at the discretion of the employer.

Insurance companies typically categorize occupations or professions into 3 main classes: 

Class 1 

Occupation Class 1 refers to professions and occupations or person generally engaged in office work and does not involve in handling hazardous material or work like accountants, administrators, architects, doctors, indoor sales staff, clerk and the like.

Class 2

Occupation Class 2 refers to professions and occupations involving indoor work with occasional manual work or involving some outdoor work like bakers, hairdressers, waiters, outdoor sales staff, electronic engineers, civil engineers an the like.

Class 3

Occupation Class 3 refers to professions and occupations or a person engaged either occasionally or generally in manual work, which involves in use of tools or machinery. Professions and occupations involving light manual work or the use of tools or light machinery (other than wood working machinery), like butchers (no slaughtering), fishmongers, motor mechanics, kitchen workers, hawkers and the like. 

Note: Those under Occupation Class 3 category are not eligible to purchase Life Star Series 100 from easicircle.

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