Personal insurance
Personal & Group Accident Insurance in Ghana
Cash benefits for accidental death, disability and medical costs.
In brief
Personal Accident insurance pays a lump sum or benefit if you suffer accidental death, permanent disability or injury, plus medical expenses. It can cover an individual, a family or a whole group such as employees or an association. Choose a cover level and get an indicative premium instantly.
Get an indicative quote
See an indicative Personal Accident premium in under a minute — no obligation.
Start your quote →Indicative only — not a binding quote. Final premium is confirmed by a Provident agent.
What’s covered
- Accidental death benefit
- Permanent total or partial disability
- Temporary disability weekly benefit
- Medical expenses following an accident
- Worldwide, 24-hour cover
- Optional cover for a group or family
What’s not covered
- Illness and natural causes (non-accidental)
- Self-inflicted injury
- Injury while committing a crime
- Hazardous activities unless declared
- Pre-existing disabilities
Who it’s for — Individuals and breadwinners who want income protection, families, and employers or associations arranging affordable group cover for their members.
What does personal accident insurance pay?
The policy pays a capital sum on accidental death and a scaled benefit for permanent total or partial disability. It also reimburses medical expenses arising from an accident, and can include a weekly benefit for temporary disability that keeps you from work. Benefits are paid in addition to any other insurance you hold.
What is group accident cover?
Group cover insures a defined set of people — employees, members of an association, or a sports team — under one policy at a competitive rate. It is a popular, affordable employee benefit and is often paired with Workmen's Compensation for staff.
How much cover do I need?
Choose a sum insured that reflects your income and dependants. A common guide is several times your annual earnings, so that a serious injury does not leave your family financially exposed. Our estimator shows indicative premiums for typical cover bands.
FAQs
Frequently asked questions
Is personal accident the same as life insurance?
Can I cover my whole team under one policy?
Does it pay medical bills?
Need to make a claim?
We pay valid claims, fairly and quickly. See the four steps and the documents you’ll need.
With Provident, you’re covered
Get an indicative quote now, or talk to an agent at any of our 11 branches.