This policy combines market-relevant benefits with claims service for companies of all sizes.

Benefits include:

• Wider coverage for natural catastrophes
  Covering 8 additional events: Cyclone, Flood, Landslide, Tornado, Volcanic eruption, Windstorm, Hailstorm and Wildfire. 


• Additional cover customised to your needs
  Featuring 20 additional benefits that address your employees’ needs.


• 4 standard general exclusions
  The comprehensive range of protection offered, coupled with limited exclusions, gives your employees and you greater assurance.

1. Replacement Staff and Recruitment Costs
2. Visitor’s Benefit
3. Funeral Expenses
4. Repatriation of Mortal Remains
5. Coma Benefit
6. Dependent Child Education Supplement
7. Modification / Mobility Expenses
8. Domestic Assistance for Activities of Daily Living
9. Ambulance Cost
10. Trauma Counselling Benefit
11. HIV due to Blood Transfusion
12. Accidental Hospital Recuperation
13. Compassionate Income
14. Credit Card Indemnity
15. Major Head Trauma
16. Non-Elective Surgery
17. Physiotherapy Costs
18. Scarring of the Face
19. Accidental Death due to Natural Catastrophe
20. Terrorism Benefit