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We provide guidance throughout the claim process to help customers receive support smoothly and efficiently.
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Personal Accident Insurance is a specialized insurance solution designed to provide financial protection to individuals and their families against unforeseen financial losses arising from accidental injuries, permanent disability, and accidental death. It provides compensation and financial support in the event of an accident, helping reduce the financial burden caused by unexpected incidents.
Personal Accident Insurance provides coverage for accidental bodily injury, permanent total disability, and accidental death, subject to the terms, conditions, and exclusions of the insurance policy. This coverage helps provide financial security to the insured person and their dependents during challenging situations resulting from accidental events.
Personal Accident Insurance is generally available with different coverage benefits, including Accidental Death Coverage, which provides financial compensation to the nominee or beneficiary in the event of accidental death; Permanent Disability Coverage, which provides benefits if the insured suffers permanent disability due to an accident; and Medical Expense Coverage, where applicable, which helps cover eligible medical expenses arising from accidental injuries.
Essential protections such as Personal Accident Insurance are often overlooked or forgotten when they appear to be routine, unless individuals face the consequences of being uninsured. However, these protections are primarily designed to ensure the financial security and well-being of individuals and their families during unexpected situations.
For instance, if Personal Accident Insurance coverage were not available, many individuals might choose to forego protection altogether. In the event of an accident resulting in serious injury, permanent disability, or accidental death, this could leave individuals and their families burdened with significant, unplanned financial liabilities.
Therefore, while the primary purpose of personal accident insurance is to provide financial protection during accidental events and unforeseen incidents, there are multiple critical reasons why having such insurance coverage is important for individuals in Nepal.
Personal Accident Insurance offers different coverage limits and benefit options, allowing individuals to choose a policy that best matches their financial needs and lifestyle.
Personal Accident Insurance policies in Nepal are designed to provide financial protection against accidental injuries, disability, and accidental death. The main features include:
Together, these features make Personal Accident Insurance an essential financial protection solution, helping individuals and their families remain financially secure during unexpected accidental events.
| Parameter | Personal Accident Insurance | Health Insurance |
|---|---|---|
| Meaning | Provides financial protection against accidental death, permanent disability, and accidental injuries by paying benefits as specified in the policy. | Provides financial protection against medical expenses arising from illnesses, injuries, hospitalization, surgeries, and other covered healthcare treatments. |
We value every customer with a VIP-level experience, delivering prompt support, transparent guidance, and insurance coverage tailored to the protection needs of individuals and families across Nepal.
We provide guidance throughout the claim process to help customers receive support smoothly and efficiently.
Our claims process is streamlined for speed and simplicity, with a significant number of claims settled promptly. A digital-first approach minimizes paperwork and ensures faster turnaround times.
Whether it is a weekday, weekend, or public holiday, our support team remains available 24/7 to assist you with queries, claims, or policy updates.
Choose suitable coverage limits based on your protection requirements and financial needs.
With an extensive branch network across Nepal, United Ajod ensures customers can easily access insurance services, policy assistance, and claim support wherever they are.
Our dedicated after-sales support team assists customers with policy servicing, renewals, endorsements, and claim-related queries throughout the policy period.
Visit one of our nearest branch or contact our customer support team.
Choose the Personal Accident Insurance plan and coverage amount that best suits your protection needs.
Provide your personal details along with the proposal form details.
Complete payment and any required KYC verification as guided by our team.
You'll receive policy documents hard copy along with SMS confirmation. Policy Pdf file will also be sent to your email address.
You can easily avoid motor insurance claim rejections by just paying a little more attention to the following factors.
Many claims are rejected simply because the policyholder is unaware of what their insurance covers. Always read your policy document to understand the inclusions, exclusions, and conditions.
Always disclose accurate personal and health-related information when purchasing your policy. Misrepresentation or omission of important information may result in claim rejection.
Maintain all necessary documents required for claim processing, such as identification documents, medical reports, accident reports, disability certificates, and other supporting documents. Missing or incomplete documents can delay claim settlement.
Inform your insurer as soon as reasonably possible after an accident. Delayed notification may affect claim processing depending on the policy terms.
Ensure the claim meets the policy conditions, waiting periods, and exclusions before submitting the required documents.
Renew your policy before its expiry date to ensure uninterrupted protection and claim eligibility.
You can access United Ajod through these options:
Download our mobile app from the App Store or Google Play.
Visit our website at https://uail.com.np for detailed information.
Coverage for pre-existing medical conditions depends on the policy's terms, waiting periods, and exclusions. Please refer to your policy document or contact United Ajod for detailed information.
Maximum coverage depends on the plan type selected. Use our premium calculator or speak with a branch advisor for limits on your policy.
Personal Accident Insurance primarily provides benefits for accidental death, disability, and accidental injuries. Coverage for hospitalization or medical expenses depends on the policy benefits and selected coverage.
Common exclusions may include intentional self-injury, accidents occurring while under the influence of alcohol or drugs, participation in illegal activities, war-related risks, and other exclusions specified in the policy wording. Please refer to your policy document for complete details.