This policy protects the insured against injuries resulting solely and directly from an accident causing injuries, death or disability. Get started today
Personal Accident
What is Personal Accident
A – Accidental death – This benefit will pay the nominated beneficiaries the pre-agreed sum insured upon loss of life as a result of an accident.
B – Permanent Disablement: – This benefit will pay you the pre-determined sum insured as per the continental scale for permanent disability as a result of the accident.
C – Temporary Total Disablement. – This benefit will pay you a pre-determined weekly amount if you suffer an accident that limits your capacity to attend to your daily business or usual occupation
D – Accidental medical expenses – This benefit reimburses you for medical expenses arising from the treatment of injuries as a result of an accident.
F – Life extension (Optional benefits)
G- Temporary total disability – This benefit will pay you a pre-determined weekly amount if you suffer an accident that limits your capacity to attend to your
H- Post-accidental reconstructive surgery – This benefit reimburses you for costs incurred for reconstructive surgery as a result of an accident
I- Artificial appliances – The benefit covers the cost of artificial appliances required for your rehabilitation following an accident such as crutches, hearing aids, wheelchairs, and prosthetics required.
J-Local Evacuation – This benefit covers expenses related to evacuating you to seek medical assistance as a result of an accident.
K-Last expenses – This benefit will pay the nominated beneficiaries the pre-agreed sum insured upon loss of life as a result of an accident to assist in settling funeral costs.
L-Critical illness – This benefit shall become payable when the Insured is diagnosed with a defined critical illness for the first time subject to a waiting period of 6 months from the inception of cover.
I.Post-accidental reconstructive surgery – This benefit reimburses you for costs incurred for reconstructive surgery as a result of an accident
FAQ
How is an accident defined?
An accident can be any sudden, violent, unintended, or unexpected visible external event that might cause an individual bodily harm or lead to a temporary or permanent physical disability or death.
Who needs Personal Accident cover?
If you are working as an employee or self-employed, and know that your livelihood depends on your well-being and a prolonged period of incapacity will have a direct impact on your income, and affect your savings, family, and lifestyle, then it is important that you have this cover. The cover can also be extended to children.
Why should I get a personal accident insurance if I have life or health insurance?
A health insurance policy provides compensation in case of illness and any expenses that might arise because of it. Life insurance offers a death benefit to the person/people you name as your beneficiaries once you pass away. Personal accident policy works as a supplement to life and health insurance coverage. It protects you and your family against financial loss in the event of an accident that renders you unable to generate income or worse, causes your death thus securing the future of any dependents.
Do I need to buy individual policies for each family member, or can one policy cover my entire family?
Our personal accident cover can be extended to cover the proposer, spouse, children, and any other dependents under the different cover options provided to ensure the whole family is fully protected.
