Product overview
Personal Accident explained
Personal Accident cover pays a lump-sum benefit on accidental injury, disability or death — whether at work, at home, or on the road. A cheap, high-leverage policy that fills the gap left by health and life cover.
What is Personal Accident cover?
Personal Accident pays out if you are injured, permanently disabled or killed in an accident. The benefit is paid to you (or your beneficiary) regardless of any other health or life cover you may have.
Why you may need it
- Pays a lump sum on accidental death or permanent disability.
- Reimburses medical expenses arising from accidents.
- Covers you 24/7, worldwide — including during sports and travel.
- Independent of any health insurance — pays in addition.
Common variants
- Individual Personal Accident.
- Group Personal Accident (for SMEs and corporates).
- Passenger Accident (for paying passengers on registered transport).
- Intercity Accident (for regular intercity travellers).
What you need to apply
- Names and dates of birth of insured persons.
- Occupation and primary place of work.
- Beneficiary details (full name, relationship).
- Means of identification (NIN or BVN).
Common exclusions
- Self-inflicted injuries and suicide.
- Injuries from criminal acts.
- Injuries from professional sports, unless add-on bought.
- Pre-existing conditions and natural illness.