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This insurance would cover your employees against accidents they may sustain in the course of their duties and extends to cover them on a 24 hour basis for as long as they remain your employees. The policy covers such accidents occasioned by sudden, violent, accidental and visible means, e.g. motor accidents, falling and breaking of one's limbs, being attacked and violated upon and the like.

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The policy offers the following benefits:-

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a)         Death or Total Permanent disability up to a limit usually in relation to ones annual earnings or a multiple thereof.

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b)        Temporary Total Disablement: The equivalent of ones actual weekly earnings payable for every week one may be disabled (being unable to attend to ones normal duties as a result of an accident as described above).

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c)         Temporary Partial Disability: The equivalent of 1/3 (one third) of ones weekly earnings for every week one may be partially disabled (attending to only part of ones normal duties).

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d)        Medical Aid: This is reimbursement of expenses incurred on treatment after an accident up to a limit per person per accident as may be agreed.

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