Our personal accident cover offers compensation for death, permanent disablement, temporary loss of income due to disablement and medical expenses arising from an accident.

Schedule of Benefits

  • Compensation for Permanent Total Disablement
  • Compensation for Temporary Total / Partial Disablement
  • Critical Illness Cover
  • Accidental Medical Expenses
  • Compensation in case of death
  • Funeral Expenses
  • Hospital Cash
  • Artificial Appliances
  • Tuition during incapacitation

Below are definitions applicable to Personal Accident cover:

  • Permanent Total Disability – Means inability to engage in any occupation for which the employee is reasonably qualified by education, training or experience as a result of an accident.
  • Temporary Total/Partial Disablement – Means temporary inability to engage in ones occupation. (Excluding the first seven days)
  • Accidental Medical Expense – Any medical expense incurred as a result of an accident.
  • Death – Meaning loss of life as a result of an accident.
  • Funeral expenses – Amount paid to the family incase of death of the insured.
  • Hospital Cash – Amount paid after 3 days of admission following an accident. Usually paid in lump sum after discharge.
  • Artificial Appliances – Includes but not limited to walking crutches, wheel chairs, arm strings, neck support, back bands and similar items required by injured employee to support life functions.
  • Tuition – Tuition costs while incapacitated (For 3 years to 18 years).
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