Personal Accident
We are a specialist provider of Accident and Health insurance to the individual, group and corporate market place. We have the knowledge, skills, experience and dedication to provide a complete solution for our clients’ requirements in this area.
We provide quotes for accidental death cover for large groups, to high level disability cover for key individuals and from white collar employees to extremely hazardous occupations. Our business is written worldwide.
Accident & Sickness - Group Personal Accident
Group insurance allows a business to insure itself against its senior executives and/or employees being unable to work because of injuries sustained through an accident or illness.
It provides benefits for accidental bodily injury which results in death, loss of limbs or eyes, or disablement. A weekly benefit is available for periods of temporary total disablement. Cover for illness can also be included.
Clients have the possibility of determining the sums insured: they can choose different amounts and/or cover for named persons and/or categories of people, choose fixed sums insured, or multiple of salary/percentage of weekly wage. Clients may also choose the type of cover (24 hour basis, Occupational Risks).
Accident & Sickness - Individual Personal Accident
Personal Accident provides benefits should an insured person sustain accidental bodily injury that disables them within 24 months.
Disablement is from usual occupation.
Illness provides benefits when sickness or disease first declares itself during the Period of Insurance and results in the Insured Person’s disablement within 12 calendar months.
Clients have the possibility to determine the sums insured: they can choose different amounts and/or cover for named persons and/or categories of people, choose fixed sums insured, or multiple of salary / percentage of weekly wage. Clients may also choose the type of cover (24 hour basis, Occupational Risks).
Credit Card Personal Accident Benefits
Personal Accident cover provided by the credit card company. The cover may be provided in a number of ways: on a 24-hour basis or while travelling overseas on tickets purchased using the card, while travelling in a common carrier for which tickets were purchased using the card. Kidnap & Ransom
Kidnap, Ransom & Extortion Insurance provides coverage for kidnappings and other events through a combination of financial indemnification and expert crisis management.
Typical benefits include:
- Ransom money
- Informant money
- Crisis management services
- Negotiation services
- Family counselling
- Loss of ransom monies in transit
- Medical services and emergency evacuation
- Reward money
Sports Disability
Coverage may include accidental death, permanent total disablement and temporary total disablement through accident and/or sickness.
Travel
We provide corporate cover for directors and employees whilst travelling overseas on business. War & Associated Risks
For persons who are in war, war-like, or disturbed areas. Personal Accident cover with additional cover for Medical and Repatriation can be provided.
Persons must not be taking an active part in war activities or be serving members of the armed services.
