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Accidental Death or Permanent Total Disability
Lump-sum compensation in the event of death or permanent total disability caused by an accident.
Solutions > Personal Accident
Worldwide Cover – 24/7 Accident Protection for You & Your Family
APA Accident Protector is a personal accident cover tailored for any individual or group who may not have other cover against accidental injuries, including those not covered by an employer (contractors, casual and permanent staff). Cover i
24-Hour Worldwide Shield
Protection in Uganda and while travelling abroad
Dependants Covered Free
Extension of cover to family dependants at no extra charge
What is APA Accident Protector?
APA Accident Protector is a personal accident cover tailored for any individual or group who may not have other cover against accidental injuries, including those not covered by an employer (contractors, casual and permanent staff). Cover is worldwide and 24-hour, operating both in Uganda and while on tour abroad, and is extended to dependants at no extra charge. Four benefit options (Table C, B, A, and A+) with different sums insured are available.
Highlights
- Pays out for accidental death, permanent total disability, and other disabilities.
- 24-hour worldwide cover protecting you at home, at work, and during travel.
- Tailored cover with four benefit table options (C, B, A, A+) to choose from.
- Motorcycle use, commercial air travel, passive violence, and terrorism covered.
What is Covered and Not Covered Under Personal Accident?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Other Disabilities (Continental Scale)
Percentage-based financial compensation for specified permanent partial disabilities.
3
Accident Medical Expenses
Reimbursement for necessary medical and surgical treatment necessitated by an accident (limited to 50% of the claim per accident).
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Emergency Evacuation Abroad
Covers emergency evacuation costs for medical treatment outside of Uganda.
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Repatriation of Body
Covers expenses for the repatriation of the deceased beneficiary's body back to their home country.
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Daily Hospital Cash
Provides a daily cash benefit during hospitalisation up to a limit of 30 days.
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Dependants Cover Extension
Accident Protector cover is extended to cover your dependants at no extra charge.
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Motorcycle & Standard Air Travel
Injuries arising from standard motorcycle usage and flight as a passenger in commercial aircraft are covered.
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Passive Political Violence & Terrorism
Injuries resulting from passive exposure to political violence or terrorism are covered.
Eligibility & Documentation
Eligibility Criteria
Specifications
Proponents
Individuals or groups seeking personal accident protection.
Age Limit
Persons covered up to the age of 65 years.
Dependants
Spouse and children included in cover at no extra charge.
Flexibility
Higher cover for the earner and lower cover for non-earning family members.
How to Buy APA Accident Protector?
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Choose your benefit table (C, B, A, or A+) based on the coverage limits you need.
2
Complete the Accident Protector proposal form specifying all persons to be insured.
3
Pay your premium to APA Insurance (Uganda) Ltd or your intermediary.
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Receive your policy schedule and documentation once payment is completed.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
It provides compensation for accidental death, permanent total disability, permanent partial disabilities (Continental Scale), accident medical expenses, emergency evacuation abroad, repatriation of the body, daily hospital cash, and funeral expenses.
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Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
