Personal Accident/Sickness

Cover for accidental bodily injury to the insured person. The benefits payable for death, loss of limbs, eyes etc and permanent total disablement are lump sums, whilst temporary total disablement and temporary partial disablement benefits are paid on a weekly basis until incapacity has ceased or until the benefit period has been reached, whichever occurs first. Temporary total disablement and temporary partial disablement benefits can also be extended to include cover in the event of sickness.

The deferred period is the length of time that must be exceeded before a claim can be made. Alternatively, if an excess applies, this amount will be deducted from each and every claim.