Personal Accident Insurance
Financial protection against accidental death, permanent disability and loss of income following an accident.
Accidents happen without warning, and the financial impact often falls hardest on the households least able to absorb it.
Our Personal and Group Accident Insurance provides cover against accidental death, permanent or partial disability, and temporary loss of income — with optional reimbursement of medical treatment costs.
Personal Accident Insurance
Financial protection against accidental death, permanent disability and loss of income following an accident.
Coverage options
Accidental death cover
A lump sum to the nominee in the event of accidental death.
Disability protection
Benefit for permanent total or partial disability following an accident.
Medical reimbursement
Optional cover for treatment costs arising from the accident.
Income support
Weekly payments during recovery to offset lost wages.
What you get — and what you don’t
Key benefits
- Available as an individual or group (employer) policy
- Worldwide cover, 24 hours a day
- No medical examination required for standard sums insured
- Group rates for cooperatives, factories and transport operators
Main exclusions
- Self-inflicted injury, suicide or attempted suicide
- Injury while committing a criminal act
- Participation in hazardous sports unless declared
- Injury arising from pre-existing illness rather than an accident
How a claim works
- 01
Notify us
Inform the claims desk within 15 days of the accident.
- 02
Medical documentation
Submit the hospital records and disability certificate.
- 03
Verification
We verify the circumstances with the treating hospital and police.
- 04
Settlement
The benefit is paid to the insured or the registered nominee.
Documents to keep ready
- Death certificate or medical certificate of disability
- Police report where the accident involved a vehicle or third party
- Hospital discharge summary and treatment bills
- Nominee identification documents