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Categories / Personal Accident

Personal Accident

5 in-scope products. Different products win for different people — compare the trade-offs below, then open any product for the full read.

benchmark Legacy Income’s own/benchmark carriers in this category: Accidental Death & Disablement Benefit (Rider) — labelled for reference; the analysis itself is unbiased.

How Personal Accident products differ

Still building · 100% coverage

No product wins every dimension — these are trade-offs, not a scoreboard. Where the dataset can’t yet support hard medians, we show the observed range and the analyst’s read.

Category benchmarks for Personal Accident are still being built.

5 of 5 shown

Accidental Death & Disablement Benefit (Rider)

benchmark

Allianz Life Indonesia

Personal-accident rider — ADDB.

Analysis pending

eSmile Accident Care

Syariah

MSIG Life Indonesia

eSmile Accident Care is not really a product you sell — it is the free doorway into MSIG Life's eSmile digital bundle.

Full brief Insurer’s play ▸

Optima Accident Protection

AIA Financial Indonesia

Asuransi kecelakaan yang memberikan perlindungan atas risiko meninggal akibat kecelakaan dengan manfaat pengembalian premi

Analysis pending

Smile Personal Accident

MSIG Life Indonesia

Analysis pending

Smile Personal Accident Syariah

Syariah

MSIG Life Indonesia Syariah

Detected and cataloged in run 8 (2026-04-25).

Analysis pending