Our Personal Accident cover ensures you’re taken care of in the event of an accident.

The policy covers bodily injury resulting solely and directly from an accident caused by outward violent and visible means which shall result in death or disablement or medical expenses.

In the event of a fatal accident/death:

The sum insured is payable to registered beneficiaries in the event of accidental death.

If the accident results in permanent disability:

The policy pays a capital sum following irreversible disability that makes one unable to pursue gainful employment.

If the accident results in temporary disability:

Cover for temporary disability leading to loss of earnings for a given period of time. It is settled in terms of weekly earnings lost.

Medical expenses:

The policy caters to medical expenses on a reimbursement basis for injuries sustained during the accident.

• War, civil war, mutiny, riot, strike, civil commotion, rebellion, revolution, insurrection, military or usurped power.
• Suicide or attempted suicide whether felonious or not, wilful, self injury.
• Breach of law on your part (unlawful activity).
• Voluntary, wilful or negligent exposure of the Insured to needless peril except for the purpose of saving human life.
• Insanity or venereal disease.
• Indulgence in alcohol, narcotics or drugs not prescribed by a qualified medical practitioner.
• Participation in hazardous sports.
• Pregnancy or childbirth related illness.
• Aviation except as a passenger on a recognized airline operating on regular scheduled air routes or in any chartered aircraft duly licensed as a recognized carrier.