Personal Accident

• Death: Bodily Injury, which within 12 calendar months from the occurence thereof shall solely and directly cause the death of the insured person.
• Permanent Total Disablement: The loss of a function of the body whereby total restoration is not possible. Example; paralysis, loss of vision, hearing or speech.
• Permanent Partial Disablement: This is a disablement which is not so severe such as loss of a finger or toe and the compensation will be based on a percentage of the sum insured.
• Temporary Total Disablement and Temporary Partial Disablement: The amount payable is based on weekly compensations.
• Temporary Total Disablement: The insured is incapable to fully attend to his work and its compensated based on the number of weeks of his disability.
• Temporary Partial Disablement: Insured is incapable to attend a specific area of his normal duties and compensation will be based on the period of partial disability.
• Medical Expenses: Pays for medical expenses incurred following an accident.

Exclusions

• Dangerous sports or recreation activities.
• Riot & Strike
• War and kindred risks
• Travelling in an aircraft as a member of the crew
• Self injury, suicide and willful exposure to injury, provoked assault
• Insanity or under influence of drugs or intoxicating drinks
• Pregnancy, childbirth, miscarriage, abortion or pre-existing physical defect
• Disease or illness
• Armed or military duty
• Professional sports