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Personal Accident
Personal Accident Cover
What is Personal Accident Insurance?
Life is so unpredictable, and an accident can happen at any moment. That’s why you need cover that’ll be there for you and your family. Like our Personal Accident policy – it covers you if you’re injured, admitted to hospital, become disabled or pass away because of an accident. The good news is that there are no medical examinations required and you’ll even save some cash when you add your partner or spouse.
What does Personal Accident cover?
- 24HR Medical Emergency Evacuation in the event of an accident.
- Cover for non-medical expenses should you be injured and hospitalised due to an accident.
- Tax-free payout due to death or disablement of the insured as a result on an accident.
- Assistance should you be exposed to HIV due to an accident.
- Access to professional trauma counselling as a result of an accident.
- Assistance with submitting a claim against the Road Accident Fund.
Children’s Benefits
Children are also covered for the maximum amounts below:
• R20 000 for children unborn to 6 years old
• R50 000 for children 7 to 14 years old.
• 25% of the main member’s cover for children between 15 and 21, and up to 25 if they are registered full-time students.
Hospitalisation
In the event that you are hospitalised, as a result of an accident, we will cover non-medical expenses from the first day of hospital admission, up to a maximum of 104 weeks.
Death Cover
Should you die as a result of an accident, we will compensate your nominated beneficiary/ies or estate to the level of cover chosen. Compensation will be paid in one lump sum and this payment will be tax-free.
Total permanent disablement cover
Should you suffer disablement as a result of an accident, we will compensate you according to the scale of benefits and level of cover chosen.
- 24HR Medical Emergency Evacuation in the event of an accident.
- Cover for non-medical expenses should you be injured and hospitalised due to an accident.
- Tax-free payout due to death or disablement of the insured as a result on an accident.
- Assistance should you be exposed to HIV due to an accident.
- Access to professional trauma counselling as a result of an accident.
- Assistance with submitting a claim against the Road Accident Fund.
Children’s Benefits
Children are also covered for the maximum amounts below:
• R20 000 for children unborn to 6 years old
• R50 000 for children 7 to 14 years old.
• 25% of the main member’s cover for children between 15 and 21, and up to 25 if they are registered full-time students.
Hospitalisation
In the event that you are hospitalised, as a result of an accident, we will cover non-medical expenses from the first day of hospital admission, up to a maximum of 104 weeks.
Death Cover
Should you die as a result of an accident, we will compensate your nominated beneficiary/ies or estate to the level of cover chosen. Compensation will be paid in one lump sum and this payment will be tax-free.
Total permanent disablement cover
Should you suffer disablement as a result of an accident, we will compensate you according to the scale of benefits and level of cover chosen.
Important To Note:
The Personal Accident policy is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.
| Individual Cover | Disability | Death | Hospital |
|---|---|---|---|
| PLAN A Plus | R50 000 | R50 000 | R500 p/day |
| PLAN B Plus | R150 000 | R150 000 | R750 p/day |
| PLAN C Plus | R250 000 | R250 000 | R1000 p/day |
| PLAN D Plus | R350 000 | R350 000 | R1250 p/day |
| PLAN E Plus | R500 000 | R500 000 | R1500 p/day |
|
Main Member Premium: From R89pm |
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|
Spouse/Partner Premium: From R65pm |
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| Individual Cover | Disability | Death | Hospital |
|---|---|---|---|
| PLAN A | R50 000 | R50 000 | R250 p/day |
| PLAN B | R150 000 | R150 000 | R350 p/day |
| PLAN C | R250 000 | R250 000 | R500 p/day |
| PLAN D | R350 000 | R350 000 | R750 p/day |
| PLAN E | R500 000 | R500 000 | R1000 p/day |
|
Main Member Premium: From R75pm |
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|
Spouse/Partner Premium: From R52pm |
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Frequently Asked Questions
What is excluded from my Personal Accident and Injury Insurance?
- Self-inflicted injury.
- Injury due to mental disability.
- Hospitalisation, disablement or death as a result of a hazardous pursuit.
- Hospitalisation, disablement or death as a result of alcohol or drug abuse.
- Non-accident-related hospitalisation.
- Death and disability as a result of an accident or injury that occurred prior to the commencement of this policy.
- Suicide.
- Death and injury as a result of natural causes.
How do I make amendments to my Personal Accident Cover?
- To make amendments to your Personal Accident policy, call our customer care centre on 0860 10 55 38 and one of our helpful consultants will assist you.
- Any change or cancellation will be effective from the time and date agreed to.
- If we need to make changes or cancel your policy we will give you 31 days’ written notice.
How do I claim on Personal Accident cover?
- To claim on your policy you need to contact our call centre on 0860 10 55 38 from Monday to Friday, between 08:00 and 17:00 and one of our helpful consultants will guide you through the process.
How do my payments work?
- Your policy is payable on a monthly basis through debit order. Your premium is deducted on the date stated on your schedule to provide cover for the following month.
What is not included in Personal Accident?
- Personal Accident cover insurance typically does not cover injuries sustained during high-risk activities like extreme sports or illegal activities. Pre-existing medical conditions, self-inflicted injuries, and accidents occurring under the influence of drugs or alcohol are excluded.
To download your Personal Accident terms and conditions, Click here