This provides financial protection to a group of individuals, usually employees or members of an organization, in case of death, injury, or disability caused by an accident.

Scope of Cover

• Accidental Death
• Permanent Total Disability
• Permanent Partial Disability
• Temporary Total Disability
• Medical Expenses including hospitalization
• Transport and Incidental Costs
• Funeral Expenses
• Mobility / Artificial Appliances
• Burns and Disfigurements

Extensions

• Disappearance clause after 12 months
• Riot / Strike and Civil Commotion

Claim Procedures

• Fully filled Claim Form
• Medical Certificate/Report
• Police Abstract (for road accidents/assault)
• Original Medical Receipts
• Pay-slips for 3 months prior to the accident (for employees)
• Original Death Certificate & Post Mortem Report (for death claims)

Key Exclusions

• Political risks (e.g., wars, civil wars)
• Terrorism
• Self-inflicted injury or suicide
• Injuries under the influence of drugs
• Own criminal act
• Pregnancy, childbirth, miscarriage and abortion