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Lifeline Plus Group Personal Accident
PRODUCT SPECIFICATION
BENEFITS
- Accidental death
- Accidental permanent total disablement
- Accidental permanent total disablement scale benefits
- Accidental temporary partial disablement
- Medical expenses as a result of an accident
EXTENSIONS
- Final expenses up to R10 000.
- Trauma Counselling Policy makes provision for PTSD therapy sessions R25 000 in the event of trauma due to violence or accident.
- Temporary Drivers Extension up to R1 000 per trip, with a maximum of R10 000 per annum
- Wheelchair (Handicap Equipment) – We now make a lump sum provision for equipment and keep our current Mobility Benefit R75 000
- Disappearance -
Benefit paid for the disappearance of an insured person - Hospital Cash (Accident Only) -
R 1000 per day for max 90 days - Home Convalescence – Hospital Cash benefit paid where insured is instructed to complete recovery at home
- Unconsciousness -
Acts as an extension to the HCP (50% OF HCP cover). Pays out for every day the insured person is unconscious in hospital - Repatriation/Body transportation up to R40 000
- Retraining up to R20 000
- Recruitment/relocation up to R30 000
- Crime extension up to R25 000
- Lifeline Assist
- Emergency transportation and rescue up to the medical expense benefit limit – for evacuation within SA only
- Seatbelt extension up to R50 000
- Disfigurement up to 50% PTD Benefit
- Hospital confinement R1 000 p.d. for 7 days
- Kidnap & wrongful detention up to R250 000
- Claims preparation up to R2 000
- Accidental HIV benefit -
full cost of preventative treatment
FEATURES
- Least restrictive cover-
removed exclusions such as war, terrorism, nuclear, biological and chemical and HIV/AIDS - Highest Limits(unknown ground accumulation limit of R150 million, unknown air accumulation limit of R75 million and the capacity to write the highest any one life limits)
- Lifeline Assist-
providing comprhensive accidental HIV/AIDS exposure benefits - Standard Chartis features such as non-
restrictive definition of accident, 24- months manifestation period, disappearance, heart attack and the best age limits - New and improved list of extension and associated limits
- New and improved permanent disability scale
- Premiums can be paid monthly and annually
UNDERWRITING CRITERIA
- Business description
- Occupation of Employees
- Claims History
- Number of employees (minimum five)
- Annual Earnings
- Scope of cover (24 hours or working hours)
- Benefits required
- Other material information (use of private aircraft, underground mining exposure, etc)
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Downloads | |
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Policy Wording (with K&R) |
234 Kb |
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Summary of Cover |
374 Kb |
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Draft GPA Quote Template |
99 Kb |