COMPREHENSIVE 24/7 WORLDWIDE PROTECTION
Should an employee suffer a severe injury or loss of life while performing work duties, your enterprise could face substantial legal and financial compensation claims.
PERSONAL ACCIDENT
WHY YOU NEED OUR
GROUP PERSONAL ACCIDENT?
ELITE RECRUITMENT & RETENTION TOOL
Business operations don't stop at the office door, and neither should your protection. A Group Personal Accident policy operates on a worldwide geographical framework.
EMPLOYER LIABILITY & LEGAL PEACE OF MIND
When a key team member is hospitalized or incapacitated due to an accident, the compa- ny faces secondary operational losses, such as temporary hiring costs and project delays.
EXPLORE YOUR COVERAGES & BENEFITS
Standard Coverage
| Benefits | What Is Covered | Sum Insured | Deductible |
|---|---|---|---|
| Accidental Death | 100% cash payout to nominated beneficiary(ies) if an accident directly results in loss of life within 365 days. | 100% of Capital Sum Insured | None |
| Accidental Permanent Disablement | Scaled payouts (up to 100%) for permanent total or partial injuries lasting 12+ consecutive months. | Scaled up to 100% of Sum Insured | None |
Optional Add-On
| Benefits | What Is Covered | Sum Insured | Deductible |
|---|---|---|---|
| Accidental Medical Expenses (Additional Premium) | Reimbursement of hospital, surgery, and doctor fees incurred within 365 days of an accident. | Up to Maximum Annual Limit in Certificate | None |
| Rehabilitation Expenses | Reimburses necessary physical therapy costs incurred within 365 days of an accident to restore daily living. | Certificate Limit; Max 30 visits per annual period | None |
| Lifestyle Modification Expenses | Modifying home or vehicle, or purchasing wheelchairs, artificial limbs, and crutches following Total Permanent Disability. | Max Benefit Amount specified in Certificate | None |
| Bereavement Allowance | Lump-sum payout if an accidental injury results in death within 365 days. | Lump sum Benefit Amount specified in Certificate | None |
| Hospital Confinement Daily Allowance | Fixed daily payout for complete 24-hour hospital stays due to Accident, Illness, or Disease. | Fixed Daily Allowance; Max 7 days per Event | None |
| Child Education Fund | Extra lump-sum cash payout to support children's schooling if the insured dies from a covered accident. | Certificate Limit; Maximum 2 children | None |
| Relief Assistance due to COVID-19 | Lump-sum payment if hospitalized or upon death due to COVID-19 (30-day waiting period applies). | Specified Benefit Amount; Max 1 claim per annual period | None |
| Snatch Theft Protection | Reimburses stolen personal effects, replacement fees for stolen IDs/passports/cards, and stolen cash (Excludes losses inside the home; 24-hr police report required). | Certificate Limit; Cash benefit capped at USD 125 | None |
