Employee Injury Assist

• Accidental death
• Accidental permanent disability – Continental scale applies
• Accidental temporary total disability
• Accidental temporary partial disability
• Accidental emergency expenses (which comply with demarcation legislation)

The policy includes some of our extensions at no additional cost:

• Exposure
• Disappearance
• Repatriation Costs
• Emergency Transportation/Rescue Costs
• Life Support
• Life Support Equipment
• Hi-jacking, Abduction and Kidnapping
• Temporary Drivers
• Trauma Counselling
• Child Care
• Family/Domestic Workers Emergency Expenses which comply with Demarcation Legislation
• Claims Preparation Costs
• Mobility Costs
• Rehabilitation Costs
• Relocation Costs
• Seat Belt
• Crime
• Active Military Service
• Non-Medical Expense Cover as a result of Hospitalisation
• Additional Death Benefit
• Quadriplegia
• Passive War
• Flying Risks
• Alcohol related motor vehicle accidents
• HIV cover for ARV’s and Lump Sum covers
• Employee Injury Assist

Other benefits of placing your personal accident cover with SHA:

• HIV needlestick cover
  • This cover is based either on a lump sum benefit or a % of annual earnings.
• Basis of cover
  • cover can be arranged on a 24-hour, 7 days a week basis or
  • can be restricted to working hours only, either including or excluding commuting between place of residence and place of work.
• Our wording is internationally acceptable and has limited exclusions.
• Territorial limits are worldwide

Exclusions do vary by structure of individual policies but the ones you should really be made aware of are:

• while engaging in flying as pilot or member of the aircrew. This exception does not apply to Insured Persons engaging in ballooning, hang-gliding, paragliding and parachuting, provided that such activities are solely for social and/or pleasure purposes and not of a competitive nature or for reward
• caused by the Insured Person's suicide or intentional self-injury
• caused solely by an existing physical defect or other infirmity of the Insured Person
• as a result of the influence of  drugs or narcotics upon the Insured Person unless administered by a member of the medical profession (other than himself) or unless prescribed by and taken in accordance with the instructions of a member of the medical profession (other than himself)
• for Bodily Injury to the Insured Person arising whilst the Insured Person is driving or operating any motorised or mechanically operated vehicle under the influence of alcohol. For the purposes of this exception the term “under the influence of alcohol” means having a Blood Alcohol level Concentration greater than the statutory limit at the time of the Accident
• caused by the Insured Person's participation in any riot or civil commotion
• as a result of the Insured Person's deliberate exposure to exceptional danger (except in an attempt to save human life) or the Insured Person's own criminal act
• while participating in sport as a professional player
• directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radio-activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or from any nuclear weapons material. For the purpose of this exception only, combustion shall include any self-sustaining process of nuclear fission
• for venereal disease or Acquired Immune Deficiency Syndrome (AIDS) or Aids related complex (ARC) howsoever this syndrome has been acquired or may be named
• for any mental and/or nervous disorders, or any like condition arising from or attributable to stress or stress-related situations, other than those caused by Accident as defined in this Policy
• Insurers will not indemnify and Insurers will not be liable to pay any claim or provide any benefit hereunder where the indemnity, claim payment or provision of such benefit is contrary to the edicts, recorded principles, prohibitions or restrictions under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America irrespective of enactment in the jurisdiction where indemnity or benefit is provided or payment made

All Claims must be notified as soon as possible, but within 180 days from the date of the injury. Failure to do so may result in the Claim being declined for Late Notification.

Where supporting documents are not immediately available, please ensure that your fully completed Claim Form is submitted in order for the Claim to be registered within the notification period.  Following this, supporting documents can be forwarded as they are received

For Group Personal Accident:

TTD/Income Protection will only be applicable to the employee of the business in whose name the policy has been issued and who is gainfully employed at the time of Accidental Bodily Injury occurring

• Employee Injury Assist offers Insured’s a seamless COID/RMA/FEM claims experience, end to end, via the use of a unique Insured specific portal and a dedicated team of Injury on Duty claims specialists, who will pre-assess all claims to ensure that all recoveries are made timeously.
• The services offered are not only limited to assistance with Injury on Duty claims via the relevant Commissioners office, but also includes:
  • A call centre to assist with incidents as they occur, to ensure that the injured employee is transported to an appropriate medical facility for immediate medical treatment
  • Collection of and assistance with annual Return of Earnings and Annual Assessments
  • Easy access to Letters of Good Standing
  • Please contact your SHA A&H team for further details and assistance in registering your business on the Employee Injury Assist portal