Personal Accident; The Personal Accident plan gives you world-wide financial protection against a serious accident. The benefit is paid as a lump-sum in the event of an accident which results in:
• Death
• Loss of one or both eyes
• Loss of, or permanent loss of use of one or more limbs
• Permanent total disablement
If you participate in any sporting activities or your occupation is not 100% office based please give details of your activities and/or occupation. The insurer will advise you of any additional premium payable to ensure you are fully covered at all times when we send you your acceptance terms invoice.
No benefit is paid if death or injury is as the result of participating in a hazardous occupation or sport, driving or riding on motor cycles, motor bikes or mopeds.
War and terrorist risks are not covered in certain hazardous countries.
Travel Insurance Plan; The Travel plan provides travel insurance benefits during trips outside your country of residence,
The following benefits automatically apply to each trip you take:
• personal baggage,
• cancellation and curtailment,
• travel delay,
• travel disruption,
• hijacking
Property Insurance; This policy is designed for all individual, commercial and industrial businesses to insure against loss of property as a result of peril to an insured.
This policy indemnifies the insured if the property insured situated in the premises within the geographical area is accidentally and physically lost, destroyed or damaged.
It will also indemnify the insured if the business carried at the specified premises is interrupted or interfered with.
Professional Indemnity; This policy protects “professionals” against all sums which the insured may become legally viable to pay in respect of liability from his or her profession.
Public Liability; This policy indemnifies the insured, up to the Limit of liability, against all sums which the insured may become legally viable to pay in respect of liability from accident caused by or through any negligent act of the insured or any person in the immediate service of the insured.
Employers Liability and Workers Compensation; This policy indemnifies the insured against liability at the law to pay compensation and claimant’s costs and expenses in respect of the injury for which he is liable and in addition to pay all costs and expenses with the Company’s written consent.
The Workmen Compensation policy indemnifies any Employer insured in respect of insured employee(s) personal injury/death by accident or disease arising out of and in the course of his/her employment.