A group policy that can be taken out to cover death and other benefits for all or specific levels of employees. An accidents only policy pays lump sum benefits following permanent total or partial disablement, dismemberment or death caused by an accident and weekly benefits for temporary total disablement. Hazardous pursuits (e.g. mountaineering) are sometimes excluded but can usually be bought back. A weekly/monthly benefit can be added for total disablement through sickness – a personal accident and sickness policy. Similar cover is also available for business travel cover with optional additional benefits to cover medical expenses, cancellation and other travel risks. Business travel can be purchased as an additional section on a Group PA policy or in isolation.