Personal Accident Insurance
Personal accident insurance provides financial compensation to an individual in case of accidental injury, death, or disability. It covers the policyholder in case of accidents outside their workplace while travelling, engaging in leisure activities, or performing everyday tasks.
What is Personal Accident Insurance?
The compensation provided by accident cover may be in the form of a lump sum payment or a regular income for a specified period. Accidents can happen so unexpectantly. That’s why it’s best to be prepared. A comprehensive personal accident cover policy can go a long way to achieving preparedness.
Dialdirect’s accident cover policy ensures you’re covered for whatever life throws your way. If you have a personal accident that leaves you injured, hospitalised, disabled, or even results in death, our policy covers you. You don’t need to undergo medical checks when applying for accident cover.
Personal Accident Insurance Benefits
- 24HR Medical Emergency Evacuation in the event of an accident.
- Cover for non-medical expenses should you be injured and hospitalised due to an accident.
- Tax-free payout due to death or disablement of the insured as a result on an accident.
- Assistance should you be exposed to HIV due to an accident.
- Access to professional trauma counselling as a result of an accident.
- Assistance with submitting a claim against the Road Accident Fund.
Children’s Benefits
Children are also covered for the maximum amounts below:
• R20 000 for children unborn to 6 years old
• R50 000 for children 7 to 14 years old.
• 25% of the main member’s cover for children between 15 and 21, and up to 25 if they are registered full-time students.
Hospitalisation
In the event that you are hospitalised, as a result of an accident, we will cover non-medical expenses from the first day of hospital admission, up to a maximum of 104 weeks.
Death Cover
Should you die as a result of an accident, we will compensate your nominated beneficiary/ies or estate to the level of cover chosen. Compensation will be paid in one lump sum and this payment will be tax-free.
Total permanent disablement cover
Should you suffer disablement as a result of an accident, we will compensate you according to the scale of benefits and level of cover chosen.
IMPORTANT TO NOTE:
The Personal Accident policy is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.
Personal Accident Cover
| Individual Cover | Disability | Death | Hospital | |
|---|---|---|---|---|
| Plan A Plus | R50 000 | R50 000 | R500 p/day | |
| Plan B Plus | R150 000 | R150 000 | R750 p/day | |
| Plan C Plus | R250 000 | R250 000 | R1000 p/day | |
| Plan D Plus | R350 000 | R350 000 | R1250 p/day | |
| Plan E Plus | R500 000 | R500 000 | R1500 p/day | |
PremiumMain Member Premium:From R89pm | ||||
Spouse/Partner Premium:From R65pm | ||||
