Britam Personal Accident Cover. -

BRITAM PERSONAL ACCIDENT COVER

A Britam personal accident cover is an insurance policy that covers a you for accidental death and disablement. The disablements usually include permanent total disablement, permanent partial disablement and temporary total disablement.

This is a personal accident policy that comes with benefits. All benefits are payable if injuries are deemed accidental. The policy can be taken as an individual policy or as a family package.
Benefits include:

Death benefit: Britam will pay the beneficiaries the full sum assured of the insured person in the event of death as a result of an accident
Permanent total disability: In the event that an accident causes total and permanent disability to the insured, Britam will pay the full sum assured.
Dismemberment: In the event of loss of use or removal of limbs, eyes, hearing or speech through an accident, Britam will pay as per the limit set out by the policy.
Medical expenses: Britam will pay for all medical expenses as per the limit set out by the policy.
Temporary total disability: In case of temporary disability, the policy holder will receive a stipulated income per week during the period of incapacitation for a period of 2 years.
Hospital cash: During hospitalization, the cover provides you with a pre-determined amount to meet minor unforeseen costs that arise during your hospital stay.
Funeral expense benefit: Britam will make payments within 48 hours to meet burial expenses in the event of accidental death.
Artificial limbs: The policy holder will be eligible for an artificial limb paid for in the event of loss of limbs.
Family package: You can choose to take up an individual cover to take out a policy for your family members.

Accidents or mishaps may strike you unexpectedly and adversely affect your life. While the time turns hard on you, it becomes harsh for your loved ones. Your accident can alter your family’s life completely.

The financial sufferings add to the emotional turmoil that the family bears after you encounter a sudden mishap. Rather, the monetary loss upsets their lives for a long period time. It is hard to avoid unexpected accidental situations and the resulting damage, however, you can ensure your family doesn’t have to end up facing the financial concerns during these difficult times.

The best possible way to cover up the risk and protect your loved ones from such situations is to get a personal accident insurance. (adapted from Allianz Kenya)

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