Personal Accident

Accidents happen, make sure you have the right cover in place.

Home / Products / Personal Insurance / Personal Accident

Personal Accident

SCOPE OF COVER: This policy compensates the insured or his legal in respect of Death, permanent disability and temporary disability caused by violent, accidental, eternal and visible means while on duty or off duty( 24 hour basis

Benefits covered

  • Death
  • Permanent Disability
  • Temporary disability – actual weekly salary for 104 weeks
  • Medical Expenses
  • Last Expenses
  • Cost of Artificial limbs
  • Wheel chair
  • Hearing Aids
  • Local Evacuation expenses
  • Ambulance expenses
  • Rehabilitation expenses
  • Dental expenses
  • Optical expenses

Benefits

The following are covered by the policy:
  • Accidental death
  • Permanent total or partial disablement
  • Temporary total or partial disablement
  • Medical expenses
  • Last expenses
  • Cost of artificial limbs
  • Wheel chair
  • Hearing Aids
  • Local evacuation expenses
  • Ambulance expenses
  • Rehabilitation expenses
  • Dental expenses
  • Optical expenses

Features

  • Death 1-5 years salary
  • Permanent Disability 1- 5 years salary
  • Temporary disability – actual weekly salary for 52 weeks
  • Medical Expenses Limit 100,000
Additional Extensions covered include the following
  • Hijack
  • Riot and strike

FAQS

1. What are the policy exclusion? Death, disability or injury due to"
  • War
  • Terrorism
  • Suicide and insanity
  • Self-inflicted injury
  • Aids
  • Childbirth, pregnancy or miscarriage
  • Dangerous sports
  • Operating or riding a two wheel motor vehicle e.g. motor cycle
You may not be able to obtain a PA policy if you are a:
  • Deep sea diver
  • Pilot or airline crew member
  • Aircraft tester
  • Racing driver
  • Professional sports person
2.What must I know about payment of premium? Your premium should be received by your insurance company immediately from the effective date of the policy. If not, your policy shall be cancelled but you will still need to pay your insurance company premium for the days during which your policy was in effect. You should ensure that your cheque is issued in the name of your insurance company if you take the policy through an intermediary. You should ask for a receipt for the premium paid and contact your insurance company or agent if you have not received the policy one month after the date of purchase.