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Personal Accident

This policy is designed to provide financial help if the insured has an accident or injury or if they suffer a fatal injury.

The principle member should be between 18-85 years. Children and legal spouse are included as dependents.

This cover can be annual or short-term. The short-term cover is designed for students who require the cover while on their industrial attachment.

It can also be taken by schools to cover students against accidents while at school in the school bus or where they are at school-based activities like sports.

• What is covered?

  • Accidental death
  • Permanent total disability
  • Funeral expenses
  • Accidental medical expenses
  • Artificial appliances
  • Political and terrorist-related accidents and death

• What do you need to get cover?

  • Duly filled proposal form
  • Copy of ID and PIN
  • Premium payment as per the option selected

• What do you need to do in event of claim?

  • Report the claim immediately once notified
  • Provide a duly completed claim form
  • Police abstract
  • Receipts for medical expenses
  • A doctors report in the event of permanent total disability
  • Death certificate in the event of accidental death

• Cover option without artificial appliances

  BENEFITS	OPTION – A	OPTION – B	OPTION – C	OPTION – D
  Accidental death	100,000	250,000	500,000	750,000
  Permanent total disability	75,000	200,000	400,000	600,000
  Accidental medical expenses	50,000	50,000	75,000	100,000
  Last expense	20,000	50,000	75,000	100,000
  Premiums per person	250	500	750	1,000
  Political & terrorism risk	50	100	150	200
  Premium per person	300	600	900	1200

• Cover option with artificial appliances

  BENEFITS	OPTION – E	OPTION – F	OPTION – G	OPTION – H
  Accidental Death	100,000	250,000	500,000	750,000
  Permanent Total Disability	75,000	200,000	400,000	600,000
  Accidental Medical Expenses	50,000	50,000	75,000	100,000
  Artificial Appliances	20,000	20,000	30,000	50,000
  Last Expense	20,000	50,000	75,000	100,000
  Premiums per Person	335	515	800	1100
  Political & Terrorism Risks	70	105	160	220
  Premiums per person	405	620	960	1320

• Features of the product

  • Can be taken by individuals, family or groups
  • Has a political, violence and terrorism extension
  • One is able to insure dependents
  • Can be taken by students going on industrial attachment