Personal Accident Insurance
Personal accident insurance cover is a type of insurance that provides financial protection in the event of an accident that causes injury, disability, or death. It is designed to offer compensation for accidents and covers the insured person or their beneficiaries depending on the severity of the accident.
- Self-inflicted injuries: Accidents or injuries caused intentionally, such as self-harm or suicide attempts
- Alcohol or drug-related incidents: Injuries sustained while under the influence of alcohol or drugs.
- Participation in high-risk activities: Accidents occurring while engaging in extreme sports or dangerous activities, like skydiving or racing, might not be covered.
- War and terrorism: Injuries resulting from acts of war, terrorism, or civil unrest are commonly excluded from personal accident coverage.
- Pregnancy , still birth or complications related to giving birth
- Injuries occurring during criminal acts: If the injury occurs while committing a crime, the policy might not provide coverage.
Key Features of Personal Accident Insurance:
✅ Accidental Injury Coverage:
Covers medical expenses incurred due to injuries sustained in an accident. This includes hospital stays, surgeries, and other treatment costs.
✅ Accidental Death Benefit:
In the event of death caused by an accident, the policy provides a lump sum payment to the insured’s beneficiaries.
✅ Permanent Disability Coverage:
If the accident causes permanent disability (such as loss of a limb, eyesight, or inability to perform normal tasks), the policy offers compensation, usually as a lump sum based on the severity of the disability.
✅ Temporary Disability Benefit:
If the accident results in temporary disability, preventing you from working, the insurance may replace part of your lost income for a specific period during your recovery.
Plot 50676
Fairgrounds Office Park
Block D, Unit 9, 3rd floor
Gaborone, Botswana
Extension: 18383