I'm quite prone to injuries during exercise and wanted to get a personal accident insurance to cover physio costs. How does the claim process work? Do I need to prove the accident?

Usually personal accident claims (small injuries) only cover the medical part in the form of reimbursement. No additional cash will be paid to you. Which means that the possibility of 'fraud' for accidents is low since it doesnt benefit you. (Getting yourself injured to make a claim on the medical fees only doesnt make sense)

As for larger accident that causes permanent damage to your limbs, usually there will be police reports and witnesses to support your claim.

Hey there!

The memo from your doctor should indicate that this is due to an accident.
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