Personal Accident Insurance

So a sudden, unexpected accident doesn't derail your life: cover for death, permanent disability, treatment costs and a daily allowance.

Get a quote on WhatsApp 0850 303 28 66

Who is it for?

Anyone with a busy daily life spent between home, work and the road
People who provide all or most of their family's income
Those in physically risky jobs: working in the field, in workshops or on building sites
Licensed athletes and people who play sport regularly
Employers who want to offer group cover to their staff

What is Personal Accident Insurance and what does it do?

Most of the time, life goes smoothly. But a wet floor, a step on the stairs or an ordinary moment on the road can change everything. Personal Accident Insurance exists for exactly these unexpected moments. If something happens to you because of a sudden accident caused by an outside event, it keeps you and your loved ones financially on your feet.

Alongside cover for serious outcomes such as accidental death and permanent disability, the policy can be extended with treatment costs and a daily allowance for the days you can't work because of an accident. Earthquake can be added too. We decide the scope together, based on your job, your lifestyle and your budget.

We take care of the complicated part; you just tell us what kind of cover you want. We're here for any question you have.

When you take it out with Atom Sigorta

Choose the covers you need, and expand your policy or keep it simple
Options to suit every budget, from people living alone to large families
Protection for both treatment costs and lost income after an accident
One-step support in emergencies through assistance services
A simple application and policy process; we handle the paperwork

What's covered

What does the policy cover?

Depending on the package you choose, some or all of the cover below can be added to your policy.

Accidental Death

If the insured person dies as a result of an accident covered by the policy, the agreed amount is paid to the beneficiaries, so those left behind aren't left without financial support at a difficult time.

Permanent Disability from an Accident

If an accident leaves you with a permanent disability, compensation is paid according to the degree of disability. It's an important resource for the costs of adapting to a new way of life.

Treatment Costs

After an accident, costs such as doctor's fees, medication, X-rays and similar imaging, and hospital bills are covered up to the cover limit, so you don't have to worry about bills while you recover.

Daily Allowance

A set daily amount is paid for the days you're temporarily unable to work because of an accident, up to the maximum number of days defined in the policy.

Earthquake Cover

Bodily injury caused by an earthquake can also be added, so your cover isn't limited to everyday accidents.

Cover Based on Your Occupation

Cover and premium are set according to the level of risk in your work. Someone at a desk and someone working in the field aren't treated the same way.

Cover Options for Licensed Athletes

Separate cover groups can be arranged for licensed athletes in sports such as football, basketball and volleyball, with the particular risks of each sport assessed separately.

Personal Assistance Services

In an emergency, you can use support services such as ambulance, medical advice and information. Knowing what to do in the first moments helps more than anything.

Home Assistance Services

Help is available for urgent problems at home, such as plumbing or electrical faults. Your policy is useful for everyday mishaps too, not just accidents.

Cover, exclusions and limits vary with the package you choose and the policy's general and special terms. To work out the right set of cover for you, call us on 0850 303 28 66.

Frequently asked questions

Your questions about Personal Accident Insurance

If your question isn't on the list, give us a call. We'll keep explaining until it all makes sense.

It covers bodily injury resulting from a sudden, external event beyond the insured person's control. Depending on your choices, death, permanent disability, treatment costs and daily allowance covers apply.

Health insurance focuses on illness and treatment; personal accident insurance only covers the consequences of accidents and pays a cash sum for death and permanent disability. The two aren't alternatives; they complement each other.

No. Unless the policy says otherwise, cover applies around the clock; accidents at work, at home, on the road or on holiday are all covered.

The biggest factor is the risk class of your occupation, followed by the covers and amounts you choose. Your age and any sports you do are also taken into account.

Special assessment rules apply to people below or above certain age ranges. We can look at the situation together and find a suitable solution.

Bodily injury caused by an earthquake can be added to your cover. We'll confirm this choice when setting up your policy.

First look after your health, then let us know as soon as possible. Keep your medical reports and documents; we'll follow the steps needed to move your claim forward.

For death cover, payment goes to the beneficiaries named in the policy; for other covers, it's paid directly to the insured person. If you haven't named a beneficiary, your legal heirs will receive it.

Get a quote

Get a quote for Personal Accident Insurance

Send us a few details on WhatsApp. We'll compare the options from the insurers we work with and share them with you in the same chat.

Quicker by phone

0850 303 28 66 hakan@atomsigorta.com