Personal Accident

Personal Accident is a benefit which is payable to the Insured/insured beneficiary in the event of the Insured suffering Bodily Injury as a result of an accident caused by violent, accidental, external and visible means. There are two types of cover: –

  • Flight risks only
  • 24 hour cover
There are four levels of cover: – Death which is payable in a lump sum according to the sum insured. Permanent Total Disability (PTD) which is a lump sum payable in percentages of the sum insured, depending on the disability suffered (as per the table).
Temporary Total Disability (TTD) which is a weekly benefit payable as long as the disability exists but not exceeding the specified number of consecutive weeks and has an excess period.
Medical Expenses (Medex) which is a limited amount payable in the event of a claim less the excess payable.