Personal/Group Accident Insurance

The policy covers the person(s) insured against the risk of death, permanent disablility on injuries resulting from visible, external, accidental and violent means generally anywhere in the world.

It is required that a proposal form be completed for this class of insurance especially if arranged on individual basis, that is, in the name of one person.  Full answers should be obtained for each question regarding the occupation, age, type of cover required, benefits payable e.t.c

Cover provided

The basic form of cover is the “Accident Only Policy” which provides for the specified sums on the happenings of “accidental bodily injury by outward violent visible means and being the sole and direct cause of death or disablement”.

Benefits payable

The following benefits are provided by the policy:-

• Death benefit

• Permanent disablement benefit

• Temporary Total Disablement benefit

• Medical expenses

Exclusions

1. Accidents which occur while the insured is affected by alcohol, drugs, venereal disease or insanity.

2. Wilful exposure to needless peril unless in an attempt to save human life, or such as motorcycling

3. Physical defect or infirmity which existed prior to an accident

4. Childbirth or pregnancy

5. War and Kindred risks