Personal accident
Group

Personal accident

A simple, high-value coverage: it protects your employees 24 hours a day against accidents, on and off the job, with clear payouts for injury, disability or death.

Group personal accident responds quickly when an accident happens — without the complexity of a medical plan. It’s ideal as a base benefit, a complement to group health, or a requirement for crews and field staff. It’s structured on fixed sums and is very simple to administer.

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Mint Group · Commercial brand of Pledge Co, S.A. · SSRP PJ 995
We represent
Internacional de SegurosMAPFRESURAASSAMercantilFEDPAAcertaAncónBanesco SegurosSagicorPALIG
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Ideal for
Field and site staffCrews and operatorsBenefits complementTemporary activities and events

What your policy can cover

01
Accidental death
Insured sum to beneficiaries if an accident causes the employee’s death.
02
Permanent disability
Compensation for total or partial permanent disability from an accident.
03
Dismemberment
Scheduled payment for loss of limbs or functions.
04
Accident medical expenses
Reimbursement of medical care arising from the accident, up to the limit.
05
Daily hospital cash
An amount for each day of hospitalization due to the accident.
06
24-hour coverage
Protection on and off the job, seven days a week.

Additional coverages & options

Don’t see what you’re looking for? There’s far more — we work with nearly every coverage in the market. Tell us what you need.

+Extension to family members
+Sports and adventure risks
+Repatriation
+Funeral expenses
+Tiered sum by role
+Coverage for volunteers and temps

When your policy responds

Accident on site
A worker falls on site. The policy covers medical expenses and the corresponding payout.
Off-the-job injury
An employee is hurt over the weekend. 24-hour coverage responds just the same.
Hospitalized by accident
After a road accident, a team member is hospitalized. The daily cash eases the income loss.

Frequently asked questions

What people ask us most about this coverage.

How is it different from health insurance?
It pays fixed sums for accidents quickly, without the network or complexity of a medical plan. They complement each other well.
Does it cover off-the-job accidents?
Yes, 24-hour coverage applies on and off working hours.
From how many employees?
It’s a flexible group scheme that can start with small teams. We tailor it to you.
Are medical exams required?
Generally not for group entry, subject to the carrier’s limits.
Let’s design your coverage.
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This content is general and informational. Coverages, limits and exclusions are governed by the conditions of each policy and carrier.
Guide: after a car accident in Panama →See all coverages →