Personal Accident insurance

Standard benefits under a Personal Accident plan:

• Accidental Death: Your sum insured.
• Permanent Disablement: Up to the sum insured, with a range of benefits expressed as a percentage of the sum insured, depending upon the severity of the disablement.
• Temporary Disablement: You can insure up to 80% of your average weekly earnings to be paid as weekly benefit when an accident prevents you from engaging in your usual occupation for up to 104 weeks (2 years).
• Medical Expenses: Incurred as a result of an accident.

Premium depends on your occupation, insurers use different categories of occupations for example:

• Class I: Professional, administrative and clerical duties without manual work e.g. accountants, dentists, office workers.
• Class II: Other non-manual occupations, e.g. sales representatives, messengers, shop salespersons.
• Class III: Professionals and occupations involving slight manual work, g. chauffeurs.
• Class IV: Occupations involving manual work, e.g. garment workers, butchers, motor mechanics, interior decorator.