Embedded Personal Accident Coverage — Powered by Senang.io Platform

For Partner

Senang.io enables instant embedding of personal accident coverage into your platform.

For End User

Personal Accident Insurance by senang.io provides financial support if you suffer injury, disability, or accidental death due to unforeseen incidents.

Accidents can happen anytime — at work, on the road, or during daily activities. Personal Accident coverage ensures you and your loved ones are financially protected when the unexpected occurs.

Why Personal Accident Insurance Matters

Medical bills are only one part of the financial impact of an accident.

An injury can also result in:

Temporary loss of income

Long-term disability

Rehabilitation costs

Lifestyle adjustments

Financial burden on family members

Personal Accident insurance provides a lump sum or structured benefits to reduce financial stress during recovery.

For Partner

Offering PA coverage increases platform stickiness, adds revenue streams, and protects users with zero underwriting complexity on your side

How Personal Accident Insurance Works

01

Choose Your Coverage Amount

Select a coverage level that matches your income, lifestyle, and financial commitments.

02

Stay Protected

Your coverage remains active during the policy period.

03

Accidental Event Occurs

If you suffer an accident that results in injury, disability, or death (as defined in the policy), you or your beneficiary may submit a claim.

04

Receive Financial Benefit

Upon approval, benefits are paid according to the severity and type of injury.

What Personal Accident Insurance Can Cover

Core Coverage

Accidental Death Benefit — Lump sum payout to your beneficiaries

Permanent Disability Benefit — Compensation for total or partial permanent disability

Medical Expenses Due to Accident — Reimbursement for treatment costs

Hospital Income Allowance — Daily cash benefit during hospitalisation

Optional Add-Ons (Depending on Plan)

• Temporary total disability benefit

• Funeral expenses benefit

• Rehabilitation support

• Mobility aid coverage

Coverage details vary based on selected plan and policy terms.

For Partner

All benefit levels and coverage tiers are configurable by partners via Senang.io's no-code product builder — customise by user segment, risk profile, or employer group.

Key Benefits of Personal Accident by senang.io

Who Should Consider Personal Accident Insurance?

Personal Accident coverage is suitable for:

Working professionals	Self-employed individuals	Gig economy workers
Motorcyclists and frequent drivers	Individuals supporting dependents	Anyone with an active lifestyle

If your income depends on your ability to work, Personal Accident insurance provides an added layer of financial protection.

Partners Who Should Embed PA