Personal Accident Insurance
Accidents can happen at any time — at home, on the road, or during leisure activities in Sint Maarten. Personal accident insurance may help provide financial support for you and your family when you need it most.
What this can help protect
Coverage options may include the following, subject to policy terms and underwriting requirements. Not all risks are automatically covered.
Accidental Death Benefit
Coverage options may include a lump-sum payment to your beneficiaries in the event of accidental death, subject to policy terms and underwriting.
Permanent Total & Partial Disability
May help provide a benefit if an accident results in permanent total or partial disability that affects your ability to work.
Temporary Total Disability
Coverage options may include weekly income replacement benefits while you are temporarily unable to work due to a covered accident.
Medical Expenses from Accidents
May help cover medical treatment costs, including hospitalisation and rehabilitation, arising directly from a covered accidental injury.
Hospital Cash Benefit
Coverage options may include a daily cash benefit for each day you are hospitalised as a result of a covered accident, subject to policy limits.
Repatriation of Remains
May help cover the cost of repatriating remains to Sint Maarten or your home country in the event of accidental death abroad.
Why use Compass for Personal Accident Insurance?
As an independent insurance broker in Sint Maarten, Compass helps you explore suitable personal accident coverage options from our carrier partners where available. We help you understand the benefit levels, exclusions, and terms that apply to each option.
Our advisors take the time to understand your occupation, lifestyle, and financial needs before recommending suitable coverage. All policies are subject to carrier approval and underwriting.
We compare options
Multiple carriers reviewed on your behalf
Local advisors
Sint Maarten-based team who understand your needs
Clear guidance
We explain policy terms in plain language
Fast turnaround
Quotes typically within one business day
Ready to explore your options?
Speak with a Compass advisor about personal accident coverage options. Subject to policy terms and underwriting.
Related coverage options
Travel Insurance
Protection for medical emergencies and trip disruptions while abroad.
Learn MoreCritical Illness Insurance
Lump-sum benefit options upon diagnosis of a serious illness.
Learn MoreLife Insurance
Long-term financial protection for your family.
Learn MoreCoverage availability, limits, exclusions, deductibles, and premiums depend on the carrier, policy wording, and underwriting requirements.