PERSONAL ACCIDENT

Overview

The personal accident cover provides benefits in the event that you sustain bodily injury or death as a result of an accident. All sorts of accident are covered at any time and any place.

Features & Benefits

  1. Accidental death
    • This means loss of life as a result of accident.
  2. Permanent total disability (extent of disability is determined by the doctor)
    • This means absolute disablement or permanent loss of body part(s) that result to inability to normally engage or give attention to your ordinary profession or occupation.
  • Temporary total disability resulting in loss of income for up to a maximum of 2 years
    • This mean disablement that renders you unable to attend to your usual occupation or profession, for a period of time subject to a maximum of 2 years.
  1. Medical expenses as a result of an accident
    • This means cost of medical, surgical or other remedial attention treatment given or prescribed by a qualified medical practitioner.
  2. Purchase of artificial appliances
    • This refers to the cost of appliances of crutches, wheelchairs etc. prescribed by a qualified and registered medical practitioner.
  3. Payment of funeral expenses
    • This refers to the cost of funeral arrangements.
  1. Hospital Cash: This policy pays for hospital cash benefit upon hospitalization of the insured as a result of an accident.

  • What Is Not Covered
  1. Pre-existing conditions
  2. Effects of drug, alcohol, suicide and war risks
  3. Occupation and hazardous activities such as:
    1. Manufacturing of fireworks or explosives
    2. Construction and maintenance of cofferdam
  • Airline crew, ship or boat crew
  1. Rallies, racing and speed testing
  2. Air Force, Naval, Military or Police operations
  3. Professional sports
  • Diving, mountaineering, parachuting, show jumping etc.
  • Mining
  • Unique Cover Extension
    1. Local evacuation: Kshs. 10,000.00
    2. Rehabilitation treatment: Kshs. 10,000.00
    3. Exposure and disappearance
    4. Hearing aids: Kshs. 5,000.00
    5. Riot and strike