What is Personal Accident Cover?
This is a comprehensive insurance cover that guards you in the event of injuries, disability, or death as a result of an accident. This is a 24-hour insurance cover. This cover is available for an individual and also for a group of people in an organization.- Accidental death
- Permanent disability as a result of the accident (the extent of disability will be determined by the doctor)
- Cash payment up to the provided limit, upon admission to hospital
- Temporary total disability resulting in loss of income; maximum 2 years
- Medical expenses as a result of an accident
- Purchase of artificial appliances such as clutches
- Payment of a final benefit for purposes of organizing funeral expenses
- Request for a quotation
- Download and fill proposal form
- Submit identification documents ( Driving license, National ID, Passport, and TIN certificate)
- Premium payment
- Sign contract
- Report all injuries as a result of accidents to UAP offices within 30 days.
- Complete the claims form and attach supporting documents eg. medical reports, receipts, police abstracts, etc.
- Permanent Total Disablement - shall mean absolute disablement from engaging in or giving attention to the insured person’s ordinary profession or occupation.
- Temporary Total Disablement - shall mean disablement from engaging in or giving attention to any portion of the insured person’s ordinary profession or occupation.
- Medical Expenses - shall mean the cost of medical, surgical or other remedial attention treatment given or prescribed by a qualified medical practitioner.
- Cost of Artificial Appliances - shall mean the cost of appliances given or prescribed by a qualified and registered member of the medical profession.
- Hospital Cash - shall mean a flat amount payable to the claimant when hospitalized following an accident for the period exceeding (3) consecutive days to cater for newspapers, flowers etc.