Below is a list of companies with the best personal accident cover in Kenya:

Jubilee Insurance

This is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. A major accident can suddenly disrupt your entire life.

Why let your financial situation take a beating? It’s better to stay protected with our personal accident insurance cover. Jubilee Insurance offers a cover against accidental deaths, accidental medical expenses, accidental disablement etc.

Key Benefits

• Lump sum payment in case of disability
• Funeral expenses
• Accidental death
• Affordable premiums
• Accidental medical expenses coverage
• Lump sum payment in case of disability
• Funeral expenses
• Accidental death
• Affordable premiums

Old Mutual Insurance

Personal Accident Cover

This cover is also known as MaxPac, is a comprehensive insurance cover that guards you in the event of injuries, disability, or death as a result of an accident. This is a 24-hour insurance cover. One of the benefits of insurance is that it compensates for accidental death and bodily injuries following an accident.

What’s in it for you?

• We cover permanent disability as a result of the accident (The extent of disability will be determined by the doctor)
• We will make a cash payment up to the provided limit, upon admission to hospital
• Cover temporary total disability resulting in loss of income
• Pay for medical expenses as a result of an accident
• Purchase of artificial appliances such as crutches
• Payment of a final benefit for purposes of organizing funeral expenses.

How do I apply?

The proposer sitting/speaking with an agent chooses the desired cover, the agent runs a quotation in relation to the sum assured client desires or the amount of premium they want to save. The proposer in the presence of the agent then completes the application/proposal form and provides the required documentation (new business requirements). The agent then submits the application to Branch Support Officers who capture the client’s information in the system to kickstart the new business process.

Adults above 18 years

Personal Accident Products for you

We’ve arranged some options for you below

	Option A	Option B	Option C	Option D	Option E	Option F	Option G	Option H	Option I
Your Premium	KES 1,282	KES 1,773	KES 2,682	KES 3,591	KES 5,605	KES 9,407	KES 13,144	KES 20,180	KES 25,228
Accidental Death	250,000	500,000	800,000	1,000,000	2,000,000	3,000,000	5,000,000	8,000,000	10,000,000
Permanent Total Disability	250,000	500,000	800,000	1,000,000	2,000,000	3,000,000	5,000,000	8,000,000	10,000,000
Temporary Total Disability	1,500	8,000	8,000	10,000	12,500	15,000	30,000	40,000	50,000
Hospital Cash	500	1,500	1,500	2,000	3,000	5,000	7,000	10,000	12,000
Artificial Appliances	1,500	15,000	15,000	20,000	25,000	30,000	35,000	40,000	50,000
Medical Expenses	50,000	100,000	100,000	150,000	200,000	250,000	500,000	800,000	1,000,000
Funeral Expenses	10,000	60,000	60,000	70,000	80,000	90,000	100,000	120,000	150,000

Minors below 18 years

	Option A	Option B	Option C
Your Premium	KES 367	KES 500	KES 623
Accidental Death	50,000	75,000	100,000
Accidental Death	10,000	10,000	10,000
Medical Expenses	20,000	30,000	40,000
Artificial Appliances	25,000	30,000	35,000
Funeral Expenses	20,000	20,000	20,000

What’s excluded from the cover?

• • Terrorism exclusions
  • Political violence exclusions
  • Excluding dangerous sports
  • Excluding mountaineering

Standard Chartered Bank

Benefits Table

BENEFITS (Ksh)	Option 1	Option 2	Option 3	Option 4	OPTION 5 (For Children below 18 years only)
Accidental Death	2,000,000	4,000,000	6,000,000	10,000,000	500,000
Accidental Permanent Total Disability (PTD)	2,000,000	4,000,000	6,000,000	10,000,000	500,000
Accidental Temporary Total Disability(TTD)	15,000 per week payable for a maximum of 104 weeks	20,000 per week payable for a maximum of 104 weeks	25,000 per week payable for a maximum of 104 weeks	30,000 per week payable for a maximum of 104 weeks	Not Applicable
Last Expense (accidental and critical illness)	50,000	70,000	100,000	150,000	20,000
Medical Expenses (accident related)	200,000	400,000	600,000	1,000,000	70,000
Hospital Cash (on hospitalization)	10,000	15,000	20,000	25,000	3,000
Repatriation	100,000	100,000	100,000	100,000	75,000
Artificial Appliances(Accidental)	50,000	50,000	50,000	50,000	50,000
Dental	20,000	20,000	20,000	20,000	20,000
Optical	20,000	20,000	20,000	20,000	20,000
Post Accidental Plastic Surgery	100,000	100,000	100,000	100,000	75,000
Annual Premium	8,850	15,850	22,950	36,250	1,980

Who is eligible for this cover?

To qualify for this product, you are required to hold a  Standard Chartered Bank Current Account, be aged 18-65, and be resident in Kenya.

How do I file a claim?

In the event of a claim, please contact us at ke.service@sc.com or contact your relationship manager. You will be provided with a claim form and all the necessary assistance to lodge the Claim with Sanlam General Insurance company Ltd.

Can I extend the cover to anyone else

Cover can be extended to include family members. This is limited to spouse and children

Madison Group

Personal Accident

What is covered in the Personal Accident cover?
Our Personal accident insurance covers you financially in the case of an
accident.
One is covered in the case of:

• Temporary total disability
• Permanent total disability
• Medical expenses resulting from and accident
• Death

You can also add riders to the cover;

• Rescue in case of an accident by AMREF
• Political violence and terrorism

What does the Accidental Death Benefit cover?

Our Accidental Death Benefit offers a lump sum payment between Kes. 100,000 to Kes. 10,000,000 to designated beneficiaries in case of accidental death. 

What types of disabilities are covered?

Our policy covers permanent and temporary disabilities, including permanent total disablement, permanent partial disablement, and temporary total disablement caused by accidents.

What medical expenses are covered?

We cover necessary medical treatment and hospitalization expenses resulting from accidents, alleviating financial burdens.

Can I include my family members under this policy?

Yes, you can extend coverage to your spouse and children, offering protection for your entire family.

Benefits

In the event of a fatal accident/death:

The sum insured is payable to registered beneficiaries in the event of accidental death.

If the accident results in permanent disability:

The policy pays a capital sum following an irreversible disability that makes one unable to pursue gainful employment.

If the accident results in temporary disability:

Our Personal accident cover in Kenya cover for temporary disability leading to loss of earnings for a given period of time. It is settled in terms of weekly earnings lost.

Medical expenses:

The policy caters to medical expenses on a reimbursement basis for injuries sustained during the accident.

Key Features

1. Comprehensive Accident Coverage: Our policy compensates for bodily injuries resulting from accidents, offering protection for physical impairment, disablement, or death within twelve (12) months from the accident date.
2. Accidental Death Benefit: Choose coverage between Kes. 100,000 to Kes. 10,000,000, providing a lump sum payment to designated beneficiaries in the event of the insured’s accidental death.
3. Permanent Total Disablement Benefit: If an accident causes permanent total disablement, we offer a lump sum payment to help adjust to life changes and cover ongoing expenses.
4. Permanent Partial Disablement Benefit: In the case of permanent partial disablement, receive a partial payment based on the severity of the disablement.
5. Temporary Total Disablement Benefit: Receive compensation for temporary total disablement, supporting you during the recovery period and loss of income.
6. Medical Expenses Reimbursement: Covering necessary medical treatment and hospitalization expenses incurred due to accidents, easing the financial burden.
7. Hospital Cash Benefit: Receive daily cash benefits during hospitalization due to an accident, covering additional expenses.
8. Last Expense Benefit: Assist your family with funeral and last expense costs in the event of accidental death.
9. Coverage for Self and Family Members: Extend coverage to your spouse and children, ensuring their well-being during challenging times.
10. Terrorism & Political Risks Extension: Additional protection against injuries or death resulting from acts of Terrorism, riot, strike, civil commotion, and malicious acts during the policy period.

Policy Exclusions

• War, civil war, mutiny, riot, strike, civil commotion, rebellion, revolution, insurrection, military or usurped power.
• Suicide or attempted suicide whether felonious or not, wilful, self injury.
• Breach of law on your part (unlawful activity).
• Voluntary, wilful or negligent exposure of the Insured to needless peril except for the purpose of saving human life.
• Insanity or venereal disease.
• Indulgence in alcohol, narcotics or drugs not prescribed by a qualified medical practitioner.
• Participation in hazardous sports.
• Pregnancy or childbirth related illness.
• Aviation except as a passenger on a recognized airline operating on regular scheduled air routes or in any chartered aircraft duly licensed as a recognized carrier.

Family Bank

Personal Accident

Personal accident

Personal Accident insurance provides compensation for death, permanent disability and temporary loss of income due to disability from an accident. It also covers medical expenses and funeral expenses income due to disability from an accident, medical expenses and funeral expenses arising from an injury as a result of an accident.

Also available is an Internship personal accident cover for individuals on internship.

Benefits

• Family security
• Great cover at a lower premium
• Easy claim method
• Legal and observance expenses lined
• Double indemnity for death/ incapacity whereas travelling in a public transport

Equity Bank

Personal Accident

This cover provides compensation for death, permanent disability and temporary loss of income due to disability, medical expenses and funeral expenses arising from an injury as a result of an accident.

It is provided to any individual, motor vehicle owners with their families, commercial vehicle drivers and loaders, organized investment and social groups, taxi drivers, matatu drivers and conductors, traders and business people, teachers, civil servants, farmers etc.

How To get started with this product

1. Click the button below to sign up.
2. Fill in your details.
3. Submit the details. A representative from our team will give you a call.

Features

4 Great Features of the Personal Accident Cover
1.	Strikes	The policy covers riots strikes & civil commotion
2.	Time	It gives cover for 24 hours
3.	Geographical veiw	It gives worldwide coverage
4.	Accidents	A group personal accident cover is available for institutions

I&M Bank

Personal Accident

Personal Accident covers the financial consequences an insured person may suffer after sustaining injury as a result of an accident. This can be very disastrous in one’s life or his/her dependents life. Why not transfer this potential liability to an insurer through I&M Bancassurance Intermediary Limited? Through I&M Bancassurance Intermediary Limited you can obtain customized Personal Accident cover at a negotiated price and attractive terms. Persons between ages 1-70 years are eligible for the cover.

BENEFITS	OPTION A
Accidental Death	500,000
Accidental Permanent Total Disablement	500,000
Temporary Total Disability/Weekly Loss of Income	5,000
Accidental Medical Expenses on reimbursement basis	70,000
Last Respects Expenses	50,000
Annual Premium Per Person	KES. 1,950
BENEFITS	OPTION B
Accidental Death	1,000,000
Accidental Permanent Total Disablement	1,000,000
Temporary Total Disability/Weekly Loss of Income	10,000
Accidental Medical Expenses on reimbursement basis	150,000
Last Respects Expenses	75,000
Annual Premium Per Person	KES. 3,950

 

BENEFITS	OPTION C
Accidental Death	2,000,000
Accidental Permanent Total Disablement	2,000,000
Temporary Total Disability/Weekly Loss of Income	15,000
Accidental Medical Expenses on reimbursement basis	250,000
Last Respects Expenses	100,000
Annual Premium Per Person	KES. 5,900
BENEFITS	OPTION D
Accidental Death	5,000,000
Accidental Permanent Total Disablement	5,000,000
Temporary Total Disability/Weekly Loss of Income	30,000
Accidental Medical Expenses on reimbursement basis	500,000
Last Respects Expenses	125,000
Annual Premium Per Person	KES. 13,200

 

BENEFITS	OPTION E
Accidental Death	10,000,000
Accidental Permanent Total Disablement	10,000,000
Temporary Total Disability/Weekly Loss of Income	50,000
Accidental Medical Expenses on reimbursement basis	1,000,000
Last Respects Expenses	150,000
Annual Premium Per Person	KES. 25,300
BENEFITS	LIMITS
Accidental Death	500,000
Accidental Medical Expenses on reimbursement basis	70,000
Last Respects Expenses	50,000
Annual Premium Per Child	KES. 1,000

AAR Insurance

Personal Accident Cover

The thing about accidents, you don’t see them coming. From injuries, disabilities or death, we’re there to help you get through it.

The Student Personal Accident cover is also available under this policy, to ensure your child of school going age is protected while learning.

Some Value-adds for You

• Get airlifted within East Africa for safety or medical access.
• Enjoy treatment and therapy while staying in hospital.
• Get treated at major hospitals, locally and in India.

• Choose your cover period; monthly, quarterly, half-yearly or annually.
• Treatment for fractures and spinal, head and chest injuries.
• No medical exams needed.

What is Covered

Enjoy the following benefits under your cover:

1. Get a monthly cover of up to Kshs 10M for as little as Kshs 1000.
2. Specialized treatment locally and abroad for you and your family.
3. Road and air rescue in East Africa in case of an accident.

The following are required when signing up for a cover:

1. Should be between 18 and 64 years.
2. Persons below 18 years can be covered under parent’s/guardian’s policy.
3. Children below 5 years are covered against road risks only.

The following are not covered in your insurance plan:

1. Injuries caused by self-infliction.
2. Claims made on the same day cover is purchased.

Cooperative Bank

Personal Accident

This policy is designed to provide financial help if the insured has an accident or injury or if they suffer a fatal injury.

The principle member should be between 18-85 years. Children and legal spouses are included as dependents.

This cover can be annual or short-term. The short-term cover is designed for students who require the cover while on their industrial attachment. It can also be taken by schools to cover students against accidents while at school in the school bus or where they are at school-based activities like sports.

What is covered?

• Accidental death
• Permanent total disability
• Funeral expenses
• Accidental medical expenses
• Artificial appliances
• Political and terrorist-related accidents and death

What do you need to get cover?

• Duly filled proposal form
• Copy of ID and pin
• Premium payment as per the option selected

What do you need to do in event of claim?

• Report the claim immediately once notified
• Provide a duly completed claim form
• Police abstract
• Receipts for medical expenses
• A doctors report in the event of permanent
• Total disability
• Death certificate in the event of accidental death

Cover option without artificial appliances

BENEFITS	OPTION A	OPTION B	OPTION C	OPTION D
Accidental Death	100,000	250,000	500,000	750,000
Permanent Total Disability	75,000	200,000	400,000	600,000
Accidental Medical Expenses	50,000	50,000	75,000	100,000
Last Expense	20,000	50,000	75,000	100,000
Premiums per Person	250	500	750	1,000
Political & Terrorism Risk	50	100	150	200
Premium per person	300	600	900	1200

Cover option with artificial appliances

BENEFITS	OPTION – E	OPTION – F	OPTION – G	OPTION – H
Accidental Death	100,000	250,000	500,000	750,000
Permanent Total Disability	75,000	200,000	400,000	600,000
Accidental Medical Expenses	50,000	50,000	75,000	100,000
Last Expense	20,000	50,000	75,000	100,000
Premiums per Person	335	515	800	1,100
Political & Terrorism Risk	70	105	160	220
Premiums per person	405	620	960	1320

Features of the product

• Can be taken by individuals, families or groups
• Has a political, violence and terrorism extension
• One is able to insure dependents
• Can be taken by students going on industrial attachment

APA Insurance

Personal Accident

We cover accidental death or disablement to the insured and offer compensation payable to the insured or his/her legal representative per the sum insured and the scale of compensation agreed and specified in the policy schedule. The age requirements for this policy are below 65 years. Policy can be given to individuals or groups.

We also provide a student’s personal accident cover to individuals, schools, and organised groups on reasonable premium terms. Special group covers are also available to cover work-related illnesses.

Embedded Travel Insurance (Cover Limit of up to USD 40,000 FOR Emergency medical & hospitalization expenses abroad)– one can opt to buy this product alongside the Personal Accident Policy.

CIC Group

Why WIBA

This policy covers claims for bodily injury and/or disease brought by employees as provided under the Work Injury Benefits Act 2007.

Why Group Personal Accident

Covers funeral limits in the event of death of an insured member who is between age 1 and 18 years (children) and 18 and 75 years for adults. Pays insured funeral benefit within 48 hours of death.

Why Work Injury Benefit Act (WIBA) plus Gpa

This policy covers claims for bodily injury and/or disease brought by employees as provided under the Work Injury Benefits Act 2007.

POLICY LIMITS

• Hospital bed accommodation charges (minus NHIF rebate amount)
• Pre existing conditions are declared and accepted
• Diagnostics for member and spouse
• Major organ transplant procedure
• In- patent prescribed physiotherapy, chemotherapy, radiotherapy, nursing care, prescribed drugs/medicine, dressing and diagnostic test.
• Non-accident maxillofacial and ophthalmologic, dental surgery subject to authorization.
• Day care surgery
• Resident mother/doctors fee

POLICY LIMITS

The policy Limits range from ksh 300,000 to ksh 5,000,000 and comes in six packages.

Amount (KES)CIC Package

Prestige—Ksh5,000,000

Premier—Ksh 3,500,000

Superior—Ksh 2,000,000

Compressive—Ksh 1,000,000

Standard—Ksh500,000

Essential—Ksh200,000

Mayfair Insurance

The Policy covers bodily injury caused by violent, accidental, external and visible means which is subject to the limits specified in the Policy. The cover is recommended for individuals and groups and can be issued on fixed benefits or based on salary. Such injury or injuries shall within six months from the date of occurrence thereof cause or result into any contingencies.

Age

The age of the insured should range between 18 years to 65 years.

Sum Insured

The sum insured depends on the individual’s annual earnings inclusive of all benefits.

Benefits

• On Death – Capital Sum Insured.
• On Permanent or Total Disablement. – capital sum insured as well?
• Weekly Benefits for Temporary Total Disablement based on Actual Weekly Wages (Limited To 104 Weeks).
• Reimbursement of Actual Medical Expenses subject to agreed limit

Britam Insurance

Personal Accident Covers

Group Personal Accident

This is a special tailor-made group personal accident insurance scheme that covers death and total permanent disability and marginal hospitalization expenses arising out of an accident. This cover is beneficial to avoid unplanned costs and the increased administrative burden of filing & settling claims.

Benefits

• There are three comprehensive plans available
•  The insurance company handles all the claim matters
•  The product can be tailor made to fit your requirements
• 24 hours, 365 days cover
• All valid claims will be paid out monthly with effect from the time the insurer receives all the required documents

Eligibility

• Lower limit – 18 years
• Upper limit – 70 years

Student Personal Accident

Britam’s Student Personal Accident Cover is a comprehensive insurance policy designed specifically for students, providing financial protection in case of accidents or injuries. Here’s a breakdown of its key features:

What it covers

• Medical Expenses: Comprehensive coverage for medical treatment resulting from accidents.
• Accidental Dental Expenses: Assistance for dental treatments due to accidents.
• Permanent Disability: Financial support in case of permanent disability caused by accidents.
• Accidental Death: Providing financial relief to the family in the event of the insured’s accidental death.
• Last Expense: Assisting with the expenses related to the insured’s funeral arrangements.

How to get cover and make a claim

Securing your peace of mind is simple:

1. Contact Us: Chat with us on WhatsApp at 0793304927 to sign up for the cover.
2. Personalized Assistance: Our team will guide you through the process, ensuring you understand the terms and coverage.
3. Immediate Coverage: Once enrolled, you’ll have immediate access to the benefits of our student personal accident cover.
4. Making a Claim: In the unfortunate event of an accident, reach out to us immediately to initiate the claims process. Our dedicated team will assist you every step of the way to ensure a smooth and hassle-free experience.

Don’t let uncertainties hold you back. Protect yourself with Britam’s Student Personal Accident Cover today.

Liberty Insurance

Why our Personal Accident cover is perfect for you

Accidents can happen to anyone, and their consequences can be emotionally and financially overwhelming. Our Personal Accident cover provides support and financial protection for you and your loved ones during life’s unexpected moments.  

• Financial Security in an Accident: Ensure your family’s well-being with compensation for unexpected expenses.
• Protection for You and Your Family: Our comprehensive coverage takes care of your loved ones in case of unforeseen accidents.
• Customizable Coverage with Optional Add-ons: Tailor your policy to fit your unique needs by including additional risks, such as riots and strikes.
• Suitable for Everyone: Our policies cater to various professions, protecting everyone.

What is covered by Personal Accident?

• Compensation in the event of Death: Receive financial support for your family in the tragic event of your death due to an accident, easing their financial burden during a difficult time.
• Support for Permanent Total Disability: Benefit from financial assistance in case of severe, life-altering injuries from an accident, such as the loss of limbs or sight, to help maintain your quality of life.
• Income Protection During Temporary Disability: Ensure your financial stability with compensation covering lost wages for up to 104 weeks if an accident temporarily prevents you from working and attending to your regular occupation.
• Other benefits are available depending on the selected policy

First Assurance

Personal Accident

Overview

This policy compensates the insured or his legal in respect of Death, permanent disability and temporary disability caused by violent, accidental, eternal and visible means while on duty or off duty(24 hour basis

Benefits covered.

Death

Permanent Disability

Temporary disability – actual weekly salary for 104 weeks

Medical Expenses

Last Expenses

Cost of Artificial limbs

Wheelchair

Hearing Aids

Local Evacuation expenses

Ambulance expenses

Rehabilitation expenses

Dental expenses

Optical expenses

Benefits

The following are covered by the policy:

Accidental death

Permanent total or partial disablement

Temporary total or partial disablement

Medical expenses

Last expenses

Cost of artificial limbs

Wheelchair

Hearing Aids

Local evacuation expenses

Ambulance expenses

Rehabilitation expenses

Dental expenses

Optical expenses

Features

Death 1-5 years salary

Permanent Disability 1- 5 years salary

Temporary disability – actual weekly salary for 52 weeks

Medical Expenses Limit 100,000

Additional Extensions covered include the following

Hijack

Riot and strike

HF Group

Personal Accident

Personal Accident

Our Personal Accident insurance ensures you and your loved ones are covered in the event of death or disability from accidents. Solution is also customized to meet students needs during internship

Personal Accident Benefits

• Accidental death
• Permanent and total disability
• Temporary total disability/ weekly loss of income for those in gainful employment
• Medical expenses
• Funeral expenses
• Artificial Appliances

Occidental Insurance

Personal Accident Insurance Policy.

Policy Description

This policy covers against accidental injury or death.Benefits are paid in case of death,permanent total disablement and temporary total disablement.Medical expenses incurred as a result of accidental injury can be recovered from this policy on reimbursement basis.

Funeral expenses incurred as a result of accidental death can also be recovered from the policy on reimbursement basis.

Features

• 24 -hour worldwide-cover
• Flexible legibility age limit (18-65 years)

ICEA Lion

What Are The Key Features Of ICEA LION Personal Accident Insurance?

 

Accidental Death: We will pay your nominated beneficiaries the pre-agreed amount or the agreed multiple of your salary for your loss of life as a result of the accident or incident.

 

Permanent Disability: We will pay your or nominated beneficiary a certain percentage of the pre-agreed amount or the agreed multiple of your salary for permanent disability as a result of the accident or incident.

 

Weekly Payment (Temporary Total Disability):

 

This benefit pays you weekly payments if you suffer an accident that limits your capacity to perform your job duties. This payment is for a temporary period until you fully recover. The maximum period of compensation is limited to 104 weeks.

 

Medical Expenses: As a direct result of this incident, we will reimburse you for the medical costs

 

– including optical and dental – that you will incur. This is available up to a certain limit.

 

 

Emergency Evacuation: We will cover any expenses related to evacuating you to seek medical assistance as a result of the incident.

 

Assistive Devices: We will cover the costs related to acquiring crutches, hearing aids and prosthetics and other devices, required for your rehabilitation.

 

Repatriation Costs: In the unfortunate event of your demise, we will cover the cost of returning your remains to your place or residence.

 

Funeral Expenses: We will pay your nominated beneficiaries the pre-agreed amount for your unfortunate loss of life as a result of the accident or incident to assist in settling your funeral costs.

 

 

PERSONAL ACCIDENT INSURANCE RATING GUIDE				White		Blue		Orange		Bronze		Silver		Gold
1		Death		250,000		500,000		750,000		1,000,000		2,500,000		5,000,000
2		Permanent Total		250,000		500,000		750,000		1,000,000		2,500,000		5,000,000
		Disablement
		Temporary Total
3		Disablement –		2,500		5,000		7,500		10,000		15,000		20,000
		Per Week
4		Medical		25,000		50,000		75,000		100,000		150,000		250,000
		Expenses
5		Artificial		15,000		25,000		35,000		50,000		75,000		100,000
		Appliances

 

ICEA LION Student Personal Accident Insurance

 

Our ICEA LION Student’s Personal Accident insurance covers pupils and students, from kindergarten to university. This cover is also suitable for students who require insurance cover during their internship/attachment period at organizations as they finalize their higher education. The benefits include accidental death, permanent total disability, medical expenses as a result of an injury as well as purchase of artificial or medical appliances such as wheel chairs, hearing aids.

STUDENT PERSONAL ACCIDENT INSURANCE RATING GUIDE

STUDENT PERSONAL ACCIDENT INSURANCE RATING GUIDE

STUDENT PERSONAL ACCIDENT INSURANCE RATING GUIDE

STUDENT PERSONAL ACCIDENT INSURANCE RATING GUIDE

 

Accidental Death Benefit	250,000
Permanent Total Disablement	250,000
Medical Expenses From Injury	25,000
Artificial Appliances	15,000
TOTAL PREMIUM	844/= (including levies)

. ICEA LION Family Personal Accident Insurance

Our ICEA LION Family Personal Accident insurance offers similar benefits to our Excelsior Personal Accident Insurance outlined above but is tailor made to suit your family. A family in this case includes parents, biological children and other dependants such as domestic employees living or residing in your household.

FAMILY PERSONAL ACCIDENT INSURANCE RATING GUIDE

FAMILY PERSONAL ACCIDENT INSURANCE RATING GUIDE

					STANDARD POLICY						PREMIUM POLICY
Benefits Per Person				Option A:		Option B:		Option C:		Option D:		Option E:		Option F:
				White		Blue		Orange		Bronze		Silver		Gold
1		Death		250,000		500,000		750,000		1,000,000		2,500,000		5,000,000
2		Permanent Total		250,000		500,000		750,000		1,000,000		2,500,000		5,000,000
		Disablement
		Temporary Total
3		Disablement –		2,500		5,000		7,500		10,000		15,000		20,000
		Per Week
4		Medical		25,000		50,000		75,000		100,000		150,000		250,000
		Expenses
5
		Last Expense		25,000		50,000		75,000		100,000		150,000		200,000
6		Artificial		15,000		25,000		35,000		50,000		75,000		100,000
		Appliances
7
		Wheel Chair								50,000		75,000		100,000
8
		Optical								10,000		12,500		15,000
9
		Hearing Aids								10,000		12,500		15,000
10
		Dental								10,000		12,500		15,000
11
		Local Evacuation								25,000		50,000		100,000
PREMIUM PAYABLE
Couple Standard Policy
				4,128		7,488		10,185		12,285		16,243		29,351
Couple Premium Policy
										13,776		18,312		32,289
Couple+1 Standard
				5,573		9,605		13,774		16,176		22,811		38,671
		Policy
Couple+1 Premium
										18,662		26,351		43,619
		Policy
Couple+2 Standard
				7,034		11,777		17,402		20,422		29,771		48,837
		Policy
Couple+2 Premium
										23,953		34,798		55,821
		Policy
Couple+3 Standard
				8,641		14,202		21,392		25,105		37,347		60,047
		Policy
Couple+3 Premium
										29,784		43,956		69,201
		Policy
Couple+4 Standard
				10,249		16,628		25,383		29,787		44,924		71,258
		Policy
Couple+4 Premium
										35,543		53,114		82,581
		Policy

. ICEA LION Excelsior Personal Accident Insurance

Our Excelsior Personal Accident cover is an enhancement of our standard Personal Accident Insurance outlined above. In addition to covering your medical expenses, we offer generous disability benefits such as cover for various artificial or medical appliances such as wheel chairs and hearing aids, dental and optical cover, as well as local evacuation expenses.

EXCELSIOR PERSONAL ACCIDENT INSURANCE RATING GUIDE

EXCELSIOR PERSONAL ACCIDENT INSURANCE RATING GUIDE

Benefits Per Person				Option A:		Option B:		Option C:		Option D:		Option E:		Option F:
				White		Blue		Orange		Bronze		Silver		Gold
1		Death		250,000		500,000		750,000		1,000,000		2,500,000		5,000,000
2		Permanent Total		250,000		500,000		750,000		1,000,000		2,500,000		5,000,000
		Disablement
		Temporary Total
3		Disablement –		2,500		5,000		7,500		10,000		15,000		20,000
		Per Week
4		Medical		25,000		50,000		75,000		100,000		150,000		250,000
		Expenses
5
		Last Expense		25,000		50,000		75,000		100,000		150,000		200,000
6		Artificial		15,000		25,000		35,000		50,000		75,000		100,000
		Appliances
7
		Wheel Chair		15,000		25,000		35,000		50,000		75,000		100,000
8
		Optical		2,500		5,000		7,500		10,000		12,500		15,000
9
		Hearing Aids		2,500		5,000		7,500		10,000		12,500		15,000
10
		Dental		2,500		5,000		7,500		10,000		12,500		15,000
11
		Local Evacuation		15,000		25,000		35,000		25,000		50,000		100,000
ANNUAL PREMIUMS			2,426/=		4,284/=		5,781/=		6,886/=		10,979/=		15,715/=