Corporate Insurance
Group Personal Accident
24 hour accidental death and disability cover, on duty and off.
In short
Group personal accident insurance pays a lump sum if an employee dies or is disabled in an accident, anywhere in the world, on duty or off. The sum insured is usually set as a multiple of annual salary.
What is covered, and what is not
Typically covered
- Accidental death
- Permanent total and permanent partial disability
- Temporary total disability, as a weekly benefit where added
- Medical expenses arising from an accident, where added
- Education and funeral benefits in many wordings
Typically excluded
- Illness and natural death - that is life cover, not accident cover
- Self-inflicted injury and suicide
- Accidents while under the influence of alcohol or drugs
- Hazardous activities, unless declared
- War and nuclear risks
Cover and exclusions vary by insurer and by the wording issued for your risk. We confirm the exact terms on the quotation before you buy.
Why buy this through Trust Cover
Insurer-neutral advice
Quotations from several insurers, compared on wording and claims record, not premium alone.
Exclusions explained first
You see what is not covered before you buy, in plain language.
Claims handled by us
We prepare the file, submit it and chase settlement on your behalf.
Working with us
We are insurer-neutral. For every enquiry we approach multiple insurers, compare the wordings as well as the premiums, and tell you where they differ on the points that decide a claim.
After the policy is issued we stay involved: endorsements, mid-term changes, renewal reminders that start ninety days before expiry, and claims that we prepare, submit and follow to settlement.
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