Our product is a short term insurance policy providing cover for personal accident, of which can pay out in the event of
bodily injury as a result of an accident.
The product can be extended to cover disability in the event of an illness.
WHAT IS THE PRODUCT FOR?
The product is designed to protect the insured persons against accidents.
WHO SHOULD BUY THIS PRODUCT?
Any person wanting to protect themselves against a financial loss
An employer wanting to protect themselves against a financial loss in the event that an employee suffers bodily injury as
result of an accident
WHAT DOES THIS PRODUCT COVER?
GROUP PERSONAL ACCIDENT / STATED BENEFITS:
› Accidental Death
› Permanent Disability
› Temporary Disability
› Medical Expenses
Accidental Disfigurement Mobility Cover Disappearance and Exposure
Repatriation costs Drivers extension Life support
Hi jacking and kidnapping Trauma Counselling Child Care
Mobility Relocation Claims Preparation Costs
Family/Domestic Servants Medical Seat Belt Crime
Credit Protection Life Support Life Support Equipment
NEW VALUE ADDED EXTENSIONS:
In the event that the circumstances surrounding the claim warrant a PM Report – we will pay 25% of the underlying benefit
up to a maximum of R100,000 pending the PM report. This provides the insured with immediate relief as some PM’s can
take up to 5 years. If the circumstances do not warrant a report we will not request such.
Insurers will pay up to R100,000 in excess of Medical Aid. Most Medical Aids limit the benefit for Blood Transfusions. Even if
you are blood donor you still incur costs.
EXCLUSION FREE BUY OUT
meaning that your client can purchase up to 50% of the underlying benefit to be paid in the event that the circumstances of
the claim would have normally been excluded. The only two exclusions that would still apply is active participation in war
and the nuclear/biological exclusion.
Heart Attack, Chronic Coronary Heart Disease, Stroke, Cancer, Kidney Failure, Major Organ Transplant, Paraplegia,
Blindness and Multiple Sclerosis
Trauma Cover Maintenance Protection
Mobility Child Care
Commuter Cover Installment Protection
Dread Disease Education Fees
VOLUNTARY PERSONAL ACCIDENT
An employer endorsed scheme that allows employees to protect their spouse and dependant children from the financial
consequences of an accident.
› Personal Accident cover including Death Expenses and ambulance transportation
› Affordable premiums payable by salary deduction or debit order
› Simple administration self-enrollment booklet with full terms and conditions
› No direct cost to the employer
› Guaranteed acceptance for employees under age of 65
§ CAR SALES / RENTAL ENHANCEMENTS / MORTGAGE – REPAYMENT PROTECTION
§ SHORT PERIOD HIGH ACCUMULATION COVER - FOR BUSINESS CONFERENCES, ABROAD AND LOCAL
§ SPECTATOR PERSONAL ACCIDENT INSURANCE - ON PREMISES, SINGLE EVENT COVER
§ CUSTOMERS / VISITORS PROTECTION - TRAUMA COVER FOR ON-PREMISES
§ FILM CREW, ACTORS, ACTRESSES
§ SIMRAC LEVY - LEVIES IMPOSED BY THE MINISTRY OF ENERGY AND MINERALS AFFAIRS FOLLOWING THE NEGLIGENCE
OF THE INSURED AND RESULTING IN THE BODILY INJURY OF THE INSURED PERSONS.
*Please take note that our products are always open to discussion if need be, As we the Insurer, are more than willing to consider any
changes to the policy you may feel necessary, in order to create a more suitable cover for your benefit.