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Protect the Driver,
Not Just the Car
Comprehensive accidental coverage for drivers — including death, disability, and medical expenses. Available as an add-on with MTPI or as a standalone policy for just Rs. 1,800/year.
Get Accidental Insurance
Jubilee Life · 1-Year Coverage
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Families protected across Pakistan
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What You're Covered For
Comprehensive protection against life's unexpected accidents — for drivers and individuals alike
Accidental Death Benefit
In the event of death due to an accident, the full coverage amount is paid to the nominee — securing your family's financial future.
Permanent Disability Benefit
If an accident results in permanent disability that prevents you from working in any occupation you are qualified for, you receive compensation.
Accidental Medical Expenses
Bodily injuries from accidents that result in medical expenses within 90 days are covered — independently of all other causes.
Buying Motor Third-Party Insurance? MTPI covers others — this covers you.
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Full Coverage Amounts
Compensation amounts (PKR) payable for accidental injuries as defined under the Jubilee Life policy terms
| Compensation Coverage | Amount (PKR) |
|---|---|
| Death | 700,000 |
| Loss of both hands / arms / feet / legs | 500,000 |
| Loss of sight in both eyes | 500,000 |
| Loss of one hand and one foot | 500,000 |
| Loss of one hand, one foot with loss of sight in one eye | 500,000 |
| Complete and incurable insanity | 500,000 |
| Complete and incurable paralysis | 500,000 |
| Loss of right arm or hand | 450,000 |
| Loss of left arm or hand | 400,000 |
| Loss of one leg or foot | 400,000 |
| Loss of sight in one eye | 250,000 |
| Loss of thumb (right) | 150,000 |
| Loss of thumb (left) | 100,000 |
| Loss of index finger (right) | 100,000 |
| Loss of index finger (left) | 75,000 |
| Loss of any other finger (right) | 50,000 |
| Loss of any other finger (left) | 40,000 |
| Loss of big toe | 30,000 |
| Loss of any other toe | 25,000 |
| Loss of hearing in one ear | 100,000 |
| Multiple injuries (maximum) | 500,000 |
| Other minor injuries | 25,000 |
Coverage amounts are illustrative. Actual terms are governed by the policy document issued by Jubilee Life Insurance Company Limited.
Annual Premium
Rs. 1,800
per year · all-inclusive
Frequently Asked Questions
Everything you need to know about Personal Accidental Insurance in Pakistan
What is Accidental Insurance?
Personal Accidental Insurance provides financial protection if you suffer injuries, disability, or death as a result of an accident. It covers medical expenses and pays compensation for loss of limbs, sight, or earning capacity.
Who can buy this insurance?
Any individual between 18 and 65 years of age is eligible. It is available to customers purchasing Motor Third-Party Insurance (MTPI) as an add-on, or as a standalone policy.
How much does it cost?
The annual premium is Rs. 1,800 — a flat, all-inclusive rate with no hidden charges. This covers death, disability, and accidental medical expenses for one full year.
What is the period of insurance?
Coverage is for one year from the date the policy is issued. You will need to renew annually to maintain continuous coverage.
Who is the insurer?
This policy is underwritten by Jubilee Life Insurance Company Limited, one of Pakistan's most trusted life insurance companies, regulated by the Securities and Exchange Commission of Pakistan (SECP).
Can I buy this without MTPI?
Yes. While this product is offered as an add-on for customers buying Third-Party Motor Insurance, it is also available as a standalone personal accidental insurance policy.
How do I receive my policy certificate?
After your application is submitted and payment is confirmed, your policy certificate will be sent to your registered email address within 24 business hours.
What is not covered?
The policy covers only accidents — illnesses, pre-existing conditions, self-inflicted injuries, and injuries sustained under the influence of alcohol or drugs are typically excluded. Please refer to the full policy document for a complete list of exclusions.
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