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A serious injury or death can have a tremendous financial impact - even for two-income families. Group Personal Accident Insurance enables employers/associations to provide its employees/members insurance protection against the expenses associated with an accidental death or injury. The policy typically covers the insured and their families annually 24 hours a day, 365 days per year worldwide. It can also be limited to on the job coverage. Core Coverage: Benefits are available for: - Accidental Death & Dismemberment (AD&D) - lump sum cash benefit
Optional Coverage:
- Permanent Partial Disability (PPD)
- Permanent Total Disability (PTD) - replacement of lost income (when insured is totally disabled)
- Medical Expense Reimbursement (MER) - as a result of the accident
Coverage can be provided for specific short periods of time, during the participation in specific activities or on all year round basis. Benefits may vary by class or type of employee. Customer Profile: The employees, members and participants of all types of organizations such as businesses, associations, and special interest groups. Group Personal Accident coverage is an essential component of an employee benefits package purchased by an employer for his employees. |
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