PERSONAL ACCIDENT

A very experienced team of underwriters in this division are able to customise benefit-programs to clients’ requirements determined either by a fixed sum or multiples of annual earnings following the covered events below.

Covered Events

  • Accidental Death
  • Accidental Permanent Disability – Continental Scale applies
  • Accidental Temporary Total Disability
  • Accidental Temporary Partial Disability
  • Temporary Total Disability (Illness)
  • Accidental Emergency Expenses (which comply with Demarcation Legislation)

The policy includes the following 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
  • Daily Hospital Cash Benefit
  • Retraining Expenses
  • Additional Death Benefit
  • Quadriplegia
  • Passive War
  • Flying Risks
  • Alcohol related motor vehicle accidents
  • HIV cover for ARV’s and Lump Sum covers
  • Accident Expert (Assistance with COID and RAF claims)

Limits and aggregate deductibles

  • Limit any one life: up to R20 million
  • Accumulation limit: up to R100 million per event (100km/72 hours)
  • We also have the facility to write aggregate deductibles (with or without a stop loss), as well as deposit premium policies on a burning cost basis.

Additional benefits Serious Illness covering:

  • Cancer
  • Coronary Artery Surgery
  • Heart Attack
  • Stroke (resulting in permanent symptoms)
  • Kidney Failure
  • Major Organ Transplant
  • Paraplegia
  • Quadriplegia
  • Multiple Sclerosis (with persisting symptoms)
  • Blindness
  • Heart Valve Surgery
  • Motor Neuron Disease (resulting in permanent symptoms)
  • Alzheimer’s
  • Coma (resulting in permanent neurological complications)

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.
  • 24 Hour 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
  • Bereavement

NOTE THAT SHA IS NOT A MEDICAL SCHEME AND THE COVER IS NOT THE SAME AS MEMBERSHIP OF A MEDICAL SCHEME. OUR POLICIES ARE NOT SUBSTITUTES FOR MEDICAL SCHEME MEMBERSHIP.

For a list of the team who specialise in this area click here

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Our Accident and Health Division is able to tailor solutions for any size business in almost every industry

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Reasons to insure with us

TOP 100 FINANCIAL MAIL COMPANIES

We are proud of our long standing association with majority of the top companies listed on the JSE

BESPOKE SOLUTIONS

Our product range is geared up to protect the SME all the way up to the mega-corporate organisation

CLAIMS EXPERTISE

We employ a large team of specialists in our claims area, many of whom have legal qualifications or are admitted attorneys. This assures that our clients always get the most professional casualty claims service.

UNDERWRITING

After 30 years we've seen most risks and our team of experienced underwriters are well positioned to tailor-make niche insurance solutions for any sized business across a diverse range of industries