Personal Accident Insurance
Financial Protection When Accidents Happen
Accidents are unpredictable. Personal accident insurance provides a financial safety net for you and your family in case of injury, disability, or accidental death.
A Safety Net for Life's Unexpected Moments
In Ghana, road accidents, workplace injuries, and everyday mishaps can leave you unable to work and facing mounting medical bills. Without personal accident insurance, an unexpected injury could put your family's financial security at serious risk — especially if you are the primary breadwinner.
Personal accident insurance pays a lump sum or weekly benefit if you suffer an accidental injury that results in death, permanent disability, or temporary disability. It also covers medical expenses arising from the accident, giving you access to the treatment you need without worrying about the cost.
At Asanti Brokers, we offer personal accident plans for individuals, families, and corporate groups. The cover is worldwide and operates 24 hours a day, so you are protected whether the accident happens at work, at home, or while travelling. It is one of the most affordable insurance products available, and one of the most important.
What's Covered
Accidental death benefit paid to beneficiaries
Permanent total disability lump sum payment
Permanent partial disability (scaled benefit)
Temporary total disability — weekly income replacement
Medical expenses arising from accidental injury
Hospital cash benefit for each day of hospitalisation
Broken bones and burns benefit schedule
Funeral expenses cover
Individual and group/family plans available
24/7 worldwide cover — not limited to Ghana
Who Needs This?
Individuals and breadwinners who want to protect their family's income
Self-employed professionals without employer-provided cover
People in high-risk occupations such as construction, mining, or transport
Sports enthusiasts and active individuals exposed to injury risks
Employers looking to provide accident cover for their workforce
Why Choose Asanti Brokers?
We help you choose the right benefit levels based on your income and responsibilities
Affordable premiums — personal accident insurance is one of the most cost-effective covers available
Fast claims settlement — lump sum payments when you need them most
Flexible plans for individuals, families, and corporate groups
Our Insurance Partners
We Compare Quotes From Ghana's Top Insurers
As an independent broker, we are not tied to one company. We shop the market on your behalf to find the best rates and cover.
Get a Free Personal Accident Insurance Quote
Protect yourself and your family with affordable personal accident cover. Get a quote in minutes.