Personal Accident & Sickness

If you are self-employed or if your employer does not provide sickness benefit, you may worry what would happen if you found you were unable to work for any prolonged period through ill-health or personal injury. For the sake of your family and your own peace of mind, you probably should consider the benefits of Personal Accident & Sickness Insurance. Cover is available to replace income lost as a result of injury or illness up to defined periods, usually 2 years, and insurers can normally be expected to provide insurance up to the value of your net earned income.

Typical benefits of Personal Accident Cover include;

• Death
• Loss of sight in one or both eyes
• Loss of a limb
• Permanent total disability
• Temporary total disability
• Temporary partial disability

Typical benefits of Sickness Cover include;

• Loss of sight in both eyes
• Permanent total disability by paralysis
• Temporary total disability

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