Personal Accident Insurance

The policy shall compensate the Insured if he suffers bodily injury resulting solely and directly from accident caused by outward violent and visible means which shall directly and independently of any other cause result within twelve calender months in Death, Disablement or Medical Expenses. ( The cover provided by this policy is Death of the Life Assured and accidental bodily injury by violent external and visible means) The company shall pay to the Insured or his legal personal representatives the sum or sums stated in the policy schedule as payable in respect of the named Life Assured.

Amongst the policy conditions are:-
  • Insured shall take reasonable precautions to prevent accidents and disease and shall comply with all statutory obligations;
  • Claims Notifications condition – as soon as possible;
  • No admission, offer, promise or payment shall be made by or on behalf of the Insured without the consent of the Insurer;
  • Declaration condition if policy is based on EAE.
  • Cancellation condition;
  • Arbitration condition.

    Amongst the exclusions are:-
    • Death or injury sustained whilst the Life Assured is under the influence of intoxicants or is suffering from insanity;
    • Intentional self injury whether criminal or not;
    • The Insured is suffering from any physical defect or infirmity which existed prior to an accident;
    • Childbirth or pregnancy of the Insured. Motor Cycling exclusion


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