Personal Accident - Frequently Asked Questions

For a question on any of our products you can search our FAQ section below. If you’re unable to find an answer to your question here, speak to one of our dedicated insurance advisors on 800 RSA (772) or email us directly on

1.Are there any age limits?

The age-limit to be eligible for personal accident cover is 18 – 65 years.

2.Are certain activities excluded under the personal accident policy?

Certain hazardous activities are excluded under our personal accident policy. These are: 

  • Aqua-lung diving 
  • Flying or other aerial activity, as pilot or crew 
  • Football, excluding association football (soccer) as an "amateur" 
  • Hunting, racing, and any competition on horseback 
  • Ice Hockey 
  • Motor competitions including motorcycling 
  • Mountaineering, pot-holing, power-boating 
  • Racing in dinghies or while swimming 
  • Water ski-jumping and tricks 
  • Winter sports, excluding curling or skating 
  • Wrestling, boxing, judo, karate, or any form of unarmed combat, and 
  • Yachting, using woodworking machinery 

3.Are pre-existing disease(s)/conditions covered?

Pre-existing medical conditions should be declared before applying for the policy and are subject to approval.

4.Does being pregnant affect my personal accident insurance cover?

Our personal accident cover excludes any claims arising from pregnancy including childbirth, miscarriage or abortion.  

  • An extended scale of benefits can be found here

5.What is the extended scale of benefits available?

War and terrorism are standard exclusions under the terms and conditions of our Personal Accident policies. 

6.What are the many things I am not covered against in my policy?

In addition to the War & Risk Exclusions, the following are excluded under the policy:

  • Electro Magnetic Field (EMF) exclusion 
  • Genetically Modified Organisms (GMO) exclusion 
  • Transmissible Spongiform Encephalopathy (TSE) exclusion

For more information regarding the above, read our Policy Wording.