The Personal Accident policy covers you if you are injured and admitted to hospital or you are disabled or die as the result of an accident up to the age of 75. The cover automatically includes cover for your child(ren) if injured and admitted to hospital or are disabled or die as the result of an accident. This cover will be limited to the amount stated in your schedule. This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.

1. Hospitalisation

If the insured is hospitalised as a result of an accident, cover will be provided from the first day of hospital admission, up to a maximum of 104 weeks. Non-medical expenses as a result of hospitalisation are also covered. The claim will only be paid once the hospital records have been provided and authorised for payment. compensation under this benefit.

2. Death cover

Should the insured die as a result of an accident, we will compensate his/her nominated beneficiary/ies or estate to the level of cover chosen. Compensation for total permanent disablement or death will be paid in one lump sum. Payment will be tax-free.

3. Total Permanent Disablement cover

Should the insured suffer disablement as a result of an accident, we will compensate him/her according to the scale of benefits and level of cover chosen – see the scale of benefits table. Each Insurer will have its own set of exclusions that will limit certain cover.