This policy is essentially designed to provide benefits to employees in the event of sustaining injury, which may result to permanent disability or death. This cover operates on a 24 hour basis irrespective of whether or not the injury occurred while at work.

The injury or death must however result from an accident and not from natural cause(s). Benefits, usually in multiple of annual salaries, are paid in the event of death or permanent disability. The Policy will also pay a weekly benefit up to 104 weeks, in the event of any employee being temporarily disabled. The amount of benefit here usually does not exceed the employee’s actual weekly earnings.

Furthermore, medical expenses incurred on any employee as a result of an accident are also reimbursed by the Policy up to an agreed limit stated in the policy.