Accident and Health Insurance, like most insurance, requires specific tailoring to meet the requirements of its customers.
Universal Acceptances (Pty) Ltd recognized this and formed a specialist niche underwriting agency to meet the needs of our customers

— Theresa James —

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Since 1994 Underwriting manager, Theresa James has been active in the insurance industry for over 40 years of which 30 years having specialized in Personal Accident Insurance.Universal has throughout the years established solid, reliable relationships with re-insurance companies such as various syndicates in Lloyd’s (Kiln, Beazley, MUM, Duncanson & Holt and LDG) and locally, Munich Re, Scor, Africa Re and Swiss Re.

 

Universal Acceptances, is currently underwriting on behalf of

Guardrisk Insurance Company Limited and is a juristic representative of Natsure (Pty) Ltd 

 

SERVICES


Policy and Claims administration
24hr turn around on all quotes
Short Term Personal Accident vs. Life (Long term)
Policy Wording may be tailored to suit the insured needs/requirements

 

BROKERS

If you are a broker/ or representative of a brokerage firm, should you wish place business with us, please kindly download/print the broker application form and forward us your necessary filled out application to either email address listed below theresaj@ua.co.za or janines@ua.co.za

 

Download Application Form

 

PRODUCTS & BENEFITS


 

PRODUCTS & BENEFITS

SHORT OVERVIEW
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?
Accidental death-
Permanent disability-
Temporary disability-

GROUP PERSONAL ACC

GROUP PERSONAL ACCIDENT / STATED BENEFITS:
Accidental Death
› Permanent Disability
› Temporary Disability
› Medical Expenses

EXTENSIONS:
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 EXT

NEW VALUE ADDED EXTENSIONS:
POST MORTEM
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.
BLOOD TRANSFUSION
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.
DREAD DISEASE
Heart Attack, Chronic Coronary Heart Disease, Stroke, Cancer, Kidney Failure, Major Organ Transplant, Paraplegia,
Blindness and Multiple Sclerosis

SCHEME BUSINESS

SCHEME BUSINESS
Trauma Cover                Maintenance Protection
Mobility                           Child Care
Commuter Cover            Installment Protection
Dread Disease                Education Fees

VOLUNTARY PERSONAL

VOLUNTARY PERSONAL ACCIDENT
An employer endorsed scheme that allows employees to protect their spouse and dependant children from the financial
consequences of an accident.

FEATURES
› 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

OTHER PRODUCTS

OTHER PRODUCTS
§ 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.

 

 

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.

CONTACT US


 

map-pin-red-hi

 Ground Floor, West Wing, Coral House,

 20 Peter Place, Lyme Park,

 Sandton, 2146

 

Postal Address – P.O.Box 190, – Witkoppen – 2068.

Tell-Phone-icon +27 (11) 781 34 69        email-icon theresaj@ua.co.za
Mobile-Phone-icon +27 (82) 809 61 61         email-icon  janines@ua.co.za

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