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Group Accident


Unforeseen circumstances often interrupt the efficiency of employees and thus directly affecting business operations. To cushion against this disturbances, an employer may opt to take the Group Accident Cover so as to try and ensure that employees remain able to contribute the success of the business. This is generally a Personal Accident Cover for each employee. It differs from an Individual Personal Cover because the company itself pays premiums for each employee. It is applicable for a minimum of five employees.

The Group Personal Accident covers your employees on a full time basis unlike the Work Injury Benefits Act/ Employers Liability which only covers employees when they are at work. The benefits payable under this policy may be fixed as multiples of employee’s earnings or as fixed sum per person.

For this reason your organization/company would take a Personal Accident cover for every employee. This is different from the Individual Personal Cover in that, the Organization pays the Premium amount for its employees. This applies where more than five (5) employees are covered under an organization.

Whereas the Work Injury benefits Act/Employers Liability cover provides protection for your legal liability to compensate employees for injuries resulting from accidents at work, the Group Personal Accident cover is a benefit policy for your employees on a 24 hours basis. The benefits payable under this policy may be fixed as multiples of employee’s earnings or as fixed sum per person.


This is a 24 hour cover that insures against accidents that may occur at work, home, while traveling or during recreation.

It can also be tailor-made as an occupational only personal accident cover. Therefore you are only covered for accidents that arise in the course or out of your employment.

The benefits in this cover would be dependent on the following;

  • Capital Sum Benefit
  • Estimated Annual Earnings
  • Continental Scale
  • Weekly Benefits upto an agreed period
  • Reimbursement up to an agreed limit


  1. Death:
  1. A beneficiary will be paid the specified limits or multiples of annual salary in case of the insured person's death.
  1. Permanent Total Disablement:
  1. Total and absolute disablement from engaging in or giving attention to an insured person's usual occupation.
  1. Temporary Total Disablement:
  1. Disablement wholly preventing an insured person from engaging in or giving attention to usual occupation.
  1. Medical Expenses:
  1. Include operation fees, cost of surgical appliances, dental ophthalmic or nursing home charges and traveling expenses including ambulance costs reasonably incurred by the insured as a result of injury.
       1.Funeral:   1. Funeral Expenses Benefit: Payment of reasonable sum to cover for funeral expenses.

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