Personal accident insurance, 24 hours a day
Personal accident insurance compensates you if an accident causes injuries, disability or medical expenses, with 24-hour coverage.
Companies compared: personal accident insurance
Included in the base planOptional or partialNot available
| Coverage |  SURA★ Recommended |  Bolívar★ Recommended |  Allianz |  AXA Colpatria |  HDI |  Mapfre |  Mundial |  Solidaria |  Zurich |  Chubb |  SBS |  S. del Estado |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Accidental death | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Disability from an accident | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Medical expenses from an accident | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Daily hospital cash benefit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
For guidance only: coverage is governed by each policy’s terms.
What does it cover?
- Accidental death
- Disability from an accident
- Medical expenses from an accident
- Daily hospital cash benefit
Personal accident insurance: frequently asked questions
What does personal accident insurance cover?
Depending on the policy, it can cover accidental death, disability from an accident, medical expenses and a daily cash benefit if you're hospitalized after an accident. Coverage runs 24 hours a day, not just during work hours.
Is it the same as SOAT or ARL?
No. SOAT covers injuries in traffic accidents, and the ARL (occupational risk insurer) covers work accidents. Personal accident insurance pays you for covered accidents at any time, depending on the policy, and complements that protection.
How much is personal accident insurance?
It depends on the sum insured, the coverage you choose, your age and your occupation or activity. We compare SURA, Bolívar, Allianz, Mundial and other insurers and give you a free quote.
Can foreigners get personal accident insurance in Colombia?
Each insurer sets its own requirements, including which ID it accepts. Message us on WhatsApp with your age, occupation, ID type and the amount you want to insure, and we compare options anywhere in Colombia.
How do I file a personal accident claim?
Notify the insurer as soon as possible and submit the documents it asks for, depending on the coverage, such as medical records, disability certificates or medical bills. At Vera, we support you through the whole claim.
More personal insurance
Interested in personal accident insurance?
Get a personal accident insurance quoteCoverage, premiums, deductibles and conditions depend on each insurer’s review and underwriting rules. This information is for guidance only and does not replace the policy terms.