Be ready for unexpected surprises
Personal Accident & Health Insurance
A health crisis should never become a financial crisis for your family. We help find gaps in your current coverage to ensure you always have access to the best medical care and a steady income if you are unable to work.
Why get Personal Accident & Health Insurance
Income support when you can't work
Provides lump sum payouts or income replacement if accidents or illness prevent you from earning temporarily or permanently.
Access to quality medical care
Helps cover treatment costs, hospital stays, and recovery expenses, allowing you to focus on healing, not bills.
Home modification costs
If a serious injury requires you to install ramps or widen doors at home, the payout helps cover these renovation expenses.
Why get Personal Accident & Health Insurance from TM Legacy Builders
Finding gaps in company cover
Your company insurance may not cover everything. We check for "hidden gaps" so you don't end up paying big hospital bills yourself.
Specialist hospital advice
If you get sick, we guide you to the right hospitals and specialists. We help you find the best care for your specific condition.
Handling past medical history
If you have old health issues, we negotiate with the insurance company for you. We use our experience to get you the best possible coverage.
Managing hard claims
Accident claims require a lot of proof. Our agents help you gather the right medical reports to ensure the insurance company pays out.
Key Benefits
Accidental Death & Permanent Disability Benefits
Lump sum payouts if an accident results in death or permanent disability.
Medical & Hospitalisation Coverage
Covers hospital stays, surgeries, treatments, and related medical expenses.
Daily Hospital Income
Provides cash allowance for each day you're hospitalised.
Outpatient & Recovery Benefits
Support for follow-up treatment, physiotherapy, and rehabilitation.
Critical Illness Coverage
Lump sum payout upon diagnosis of major illnesses such as cancer, heart attack, or stroke.
Lifestyle-Specific Protection
Specialised coverage for drivers, riders, workers, seniors, and families.
Stories from the families we walk with
Let's get you insured, your way.
Enjoy a relaxed conversation focused on your goals and get a customised quote that fits your wallet. Never more than you need.
Simple answers to the questions we hear most.
Get answers you need quick.
Chat with our 24/7 advisorHow much to spend on insurance?
Many see insurance as an unnecessary expense, but a well-structured policy pays for itself the moment you need it. See how we recommend balancing protection with your monthly budget.
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Your basic needs
Protect your basic needs with US
Disclaimer: These figures are designed to help you visualise your potential, but financial health isn't one-size-fits-all. For a personalised roadmap tailored to your specific goals and lifestyle, book a consultation with us today.
So, are you properly insured?
Most people are either over-insured or dangerously under-covered. Take 60 seconds to calculate exactly how much coverage you need to keep your lifestyle and loved ones secure.
Have a specific question? Chat with us privately.
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Chat with our 24/7 advisorExplore other insurance
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Travel should be about exploration, not worry. We use our experience to identify risks based on your destination, from medical emergencies to trip delays, ensuring you have a solid safety net while abroad.
A comfortable future for yourself
We help you grow your savings now so you can eventually enjoy a stress-free life with a steady income that never runs out.
