Insurance Types » Personal Accident

Personal Accident

Why do you need Personal Accident Insurance?

In the event of an accident, personal accident insurance covers you/your workers if you/they become disabled; unable to work; or have a defined injury, such as loss of eyesight or hearing, and fractured bones. Nominees are paid either in one lump sum or on a monthly basis to supplement missed income.

What protection will a Personal Accident Policy provide?

• Accidental death
• Permanent disability
• Weekly loss of income benefits
• Fractured or broken bones benefits
• Unexpired membership benefit
• Tuition or Advice expenses
• Replacement staff/Recruitment costs
• Corporate image protection
• Funeral expenses
• Coma benefit
• Dependent child supplement

Types of Payments

• Lump Sum Benefits - as a result of Injury resulting in Permanent Total Disablement including Loss of Eye Sight, Hearing, Limbs, Fingers, Toes
• Lump Sum benefits for injury to teeth, fractured bones; and surgical costs resulting from the injury
• Weekly Benefits – for Temporary Total Disablement; and Temporary Partial Disablement by Bodily Injury; and Sickness and are based on a % of your salary limited to a maximum number of weeks;
• Out of pocket Medical Expenses