Personal accident insurance
Financial protection if you have an accident: medical expenses, disability or loss of limbs.
What it usually covers
- Reimbursement of accident medical expenses
- Accidental death
- Loss of limbs or senses
- Daily hospital allowance, depending on the plan
Coverage, sums insured and exclusions vary by insurer and plan. We show you the terms of each option before you buy.
Get a quote on WhatsApp
12insurers offer this coverage. We compare their options for you.
Personal accident insuranceWhat you need to get a quote and buy
- Age and occupation: risky activities may cost more or be excluded.
- Sum insured for accidental death, loss of limbs or senses, and medical expenses.
- Beneficiaries.
- Official ID and proof of address.
This is a general guide: each insurer may ask for more details or documents. Below, on the policies that publish them, you will see what their insurer asks for.
Products from each insurer
21 products from 12 insurers, with their official description and a link to each company's page.
We translated each product's summary, coverages and requirements. Product names stay as each insurer publishes them, and the insurer's policy terms in Spanish are what apply.
Recommended
Accidentes Personales Empresarial
MetLife personal accident insurance as a benefit for your company's staff.
- Work cover, during working hours only, or full cover, 24 hours a day.
- Flexible cover for a single event: from a few hours or one trip to short stays.
- The beneficiaries receive the sum insured if the employee dies in an accident.
- Add-ons: dismemberment and reimbursement of accidental medical expenses.
What they ask for to buy it
- Insured persons aged 18 to 64.
Seguro de Apoyo Hospitalización Diaria Afirme
Pays you a benefit for each day you are hospitalized because of an accident.
- Daily hospital benefit for accidents: minimum 24 hours and maximum 30 days.
- Total and permanent disability from an accident: sum insured as a lump sum.
- Accidental death: payment to the beneficiaries.
- Annual, semi-annual, quarterly or monthly payment.
What they ask for to buy it
- Age 18 to 64, with cancellation at 65.
- Copy of official photo ID.
- Beneficiary details.
- Signed application.
Seguro de Protección
Insurance backed by AIG Seguros that protects people who collect money transfers from abroad against robbery with violence (verbal or physical) during the 6 hours after the withdrawal.
- Protects against robbery with violence (verbal or physical) in the 6 hours after the withdrawal.
- Cover applies to amounts collected of up to MX$10,000.00.
- Legal Assistance is also included, giving phone advice on filing the robbery report.
- The insurance is administered by AIG Seguros México S.A. de C.V.
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- Valid official ID (INE-IFE-passport).
- Payment receipt for the money transfer in the name of the account holder reporting the claim.
- Client identification form, download it here.
- Report of the incident ratified by a Public Prosecutor.
Accidentes Personales (individual, familiar y a corto plazo)
Seguros Atlas accident insurance for individuals: annual individual or family plans, or short-term plans for activities lasting less than a year.
- Individual and family: annual accident cover.
- Short term: for activities lasting less than a year.
- There is also the standardized basic personal accident insurance.
Accidentes Personales para Empresas (anual, corto plazo y escolar)
Seguros Atlas accident insurance for groups and companies, for one year or for as long as your activities last.
- Annual: accident cover for one year.
- Short term: for as long as your activities last.
- School insurance: for students, academic and administrative staff during school activities.
Protección Personal
Banorte accident insurance that pays your beneficiaries if you die in an accident, with funeral expenses and assistance services.
- Accidental death: payment of the sum insured if death occurs within 90 days of the accident.
- Funeral costs for accidental death.
- Assistance services included, as stated in the policy.
- Cover ends when the insured turns 70.
Seguro de Accidentes Personales
Banorte individual or family accident insurance: death, loss of limbs, disability and accident medical expenses.
- Accidental death and dismemberment, with benefit table A or B.
- Double indemnity if the accident happens while traveling as a passenger on public transport, and cover for work accidents.
- Payment of the sum insured for total and permanent disability caused by an accident, with a 3- or 6-month wait.
- Reimbursement of accidental medical expenses.
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- Daily hospital benefit.
- You choose the covers you take out, and each has its own premium.
Colectivo Accidentes Personales
Personal accident insurance for a group of people, such as a company's employees.
Gnp accidentes familiar
Medical insurance for you and your financial dependents that reimburses medical expenses resulting from an accident.
- Covers up to 4 members for the same premium (direct line only).
- Choice of 5 sum insured amounts.
- Medical expenses cover in case of an accident.
- Additional services included at no cost.
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- Payment by payroll deduction (subject to agreements).
- Medical treatment for accidents
- Laboratory tests, diagnostic tests and imaging.
- Unlimited 24-hour medical advice by phone.
- Ambulance in case of a medical emergency.
- Pharmacy discounts with a coupon.
Seguro de Accidentes Personales
Major medical insurance that supports your loved ones financially: if you die as a result of an accident, they receive the amount you choose, MX$100,000 or MX$200,000.
- Death cover: in the unfortunate event of death, the beneficiaries receive the sum insured taken out.
- Premium payment is tax-deductible
- Submit the following documents to GNP at the service office* nearest your home:
- Beneficiary claim form(s).
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- Marriage certificate, if the spouse is the beneficiary.
- If a beneficiary has died, submit the corresponding death certificate.
- ID of the insured and beneficiaries (voter card, passport or professional license).
- Current proof of address (no more than 3 months old; it can be a phone, electricity, water or property tax bill, etc.).
Colectivo de Accidentes Personales
HDI group personal accident insurance for groups of people, such as a company's employees, with 2025 general terms.
- Covers a group of people under a single policy.
- Accident covers according to the plan taken out.
- General conditions in force since March 2025.
Renta Mensual Segura
In addition to the sum insured, the accidental death and severe disability coverages pay monthly income to the insured's beneficiaries for the chosen term.
- No deductible or coinsurance.
- Age limit: from 12 up to 65.
- Accidental death: the Accidental Death and Severe Disability covers pay monthly income to the insured's beneficiaries for the agreed term. Monthly income increases by 5% each year.
- Monthly income: increases by 5% each year.
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- Choose the package with the sum insured you want.
- Entry ages 12 to 65.
Seguro Básico de Accidentes Personales
With basic personal accident insurance, the insured's family is covered if the insured dies in an accident, with benefits of up to MX$200,000.
- Accidental death sum insured: 2 options, MX$100,000 or MX$200,000 (maximum cover per person).
- Entry ages: minimum 12 and maximum 65, renewable for life.
- Payment method: annual.
- Grace period for premium payment: 30 days.
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- Rate: set by age, gender and occupation.
- Every insurance purchase has a set of requirements and restrictions that must be met for it to take effect.
- Beneficiary details: full name, relationship and percentage assigned to each
- Percentage assigned to each
- The maximum entry age is 65 for new policies, renewable up to age 70.
Seguro de Accidentes Personales Individual
Individual personal accident insurance pays the sum insured when an accident causes the insured's death, loss of a limb or of the function of an organ, bone fractures (including at work) or severe burns.
- Work personal accident: extra protection on top of what your employer may pay for an accident during your daily work.
- Renta Mensual Segura: individual personal accident insurance that pays a benefit when an accident causes the insured's death. Learn more here.
- Children's personal accident: entry ages from 0 to 5.
- Amateur sports personal accident: you can play your favorite sport at a sports institution, knowing you are covered.
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- Professional sports personal accident: you can play sports professionally, knowing you are covered.
- Details of the contracting party and/or policyholder.
- Details of financial dependents and beneficiaries.
- Sports activities practiced regularly.
- Entry ages depend on the plan chosen.
Accidentes Personales Colectivo
A single contract to cover employees, associations, temporary workers, customers, students and special events.
- Accidental death and dismemberment
- Disability from accidents
- Daily hospital cash benefit
- Surgery and burns
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- Emergency transfer and repatriation
- Funeral costs
- Accidents on public transport
- High-risk activities
- Cancer and critical illness
- Travel insurance
Private Client Critical Illness
International personal accident insurance that pays cash compensation for injuries, total or partial disability, or accidental death, for you and your dependents.
- Cash compensation for unexpected expenses
- Complements Pan-American World Access and Pan-American Preferred Access
- Easy-to-manage policy
- High cover for a low premium
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- Personalized global assistance
Private Client Global Shield
International personal accident insurance that pays the sum insured in a single payment.
- Accidental death
- Dismemberment
- Total and permanent disability
- Complements Pan-American World Access and Pan-American Preferred Access
Protección Integral
PALIG personal accident plan that protects you and your family at all times and in all places.
- Accident cover 24 hours a day, anywhere.
- Complementary health benefits.
- For you and your family.
Accidentes Personales
This solution protects a group of people known as a collective.
- Fleet auto (5+ vehicles), property, Plan Empresario SURA, building and contents
- Fleet auto (5+ vehicles)
- Fleet auto (5+ vehicles), property, cargo transport, engineering, cargo transport, third-party liability, business third-party liability
- Claims: had an accident? Claim tracking, what to do in case of a claim, services, invoicing
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- Basic rights of policyholders, insured persons and beneficiaries.
Accidentes Personales Colectivo
Covers your employees while traveling for work and pays the costs of accidents or death within your business.
- Fleet auto (5+ vehicles), property, Plan Empresario SURA, building and contents
- Fleet auto (5+ vehicles)
- Fleet auto (5+ vehicles), property, cargo transport, engineering, cargo transport, third-party liability, business third-party liability
- Claims: had an accident? Claim tracking, what to do in case of a claim, services, invoicing
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- Total and permanent disability or incapacity due to an accident.
- Basic rights of policyholders, insured persons and beneficiaries.
Accidentes Personales (Protección Personal B×+)
Ve por Más individual personal accident insurance, a complement to health insurance or social security.
- Accidental death benefit.
- Dismemberment.
- Reimbursement of accidental medical expenses.
- Daily disability benefit.
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- Reimbursement of funeral costs.
- Also available as a standardized basic version.
Frequently asked questions
Personal accident insurance: how much does it cost?
It depends on what you want to protect, the sum insured, the deductible and the insurer. We get quotes from several companies so you can compare price and coverage.
Which insurers offer personal accident insurance across Mexico?
At 1SEGUROS we quote personal accident insurance with MetLife, Afirme, AIG, Atlas, Banorte, General de Seguros, GNP, HDI, MAPFRE, PALIG, SURA and Ve por Más.
How do I sign up?
Message us on WhatsApp at +52 999 316 7145 from anywhere in Mexico, or visit our office in Colonia Yucatán, Mérida. We ask for the information we need, show you options and issue your policy.
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Personal accident insurance
Financial protection if you have an accident: medical expenses, disability or loss of limbs.