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.
In broad terms, after buying Personal Accident Insurance, you and your family will be compensated financially in the following situations:
- Death- The compensation amount in case of death following an accident is equivalent to the total cover amount of your policy. It can be an immediate death or death within a specified period of time after the mishap.
- Permanent total disability- This is defined as a condition where you can no longer continue to work due to the loss of essential body parts and/or organs. E.g. loss of vision-blindness, loss of both limbs etc. The compensation here can be either up to the cover amount or some percentage of the amount, depending on your policy terms.
- Permanent partial disability- It is defined as the condition in which you become partially disable. E.g. loss of one limb or eye.
- Temporary partial disability- In case of temporary disabilities, you will be entitled to a fixed amount as decided based on the policy terms.
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)
Time Excess
- Temporary Total Disablement(Weekly Benefit) : The 1st Five(5) Days
- Hospital Cash : The 1st Three(3) Days
These are our rates.
| BENEFITS | Option A | Option B | Option C | Option D | Option E | Option F | Option G |
| Accidental Death | 250,000 | 500,000 | 750,000 | 1,000,000 | 2,000,000 | 3,000,000 | 5,000,000 |
| Permanent Total Dis.PTD | 250,000 | 500,000 | 750,000 | 1,000,000 | 2,000,000 | 3,000,000 | 5,000,000 |
| Hospital Cash | 1,000 | 2,000 | 2,000 | 2,500 | 5,000 | 5,000 | 5,000 |
| Temporary Total Dis.TTD | 1,500 | 3,500 | 5,000 | 7,500 | 10,000 | 12,500 | 15,000 |
| Medical Expenses | 50,000 | 50,000 | 75,000 | 100,000 | 200,000 | 250,000 | 300,000 |
| Artificial Appliances | 10,000 | 10,000 | 10,000 | 17,500 | 20,000 | 25,000 | 30,000 |
| Last Expenses | 10,000 | 10,000 | 15,000 | 20,000 | 25,000 | 30,000 | 50,000 |
| Annual Premium |
1,282 |
1,856 |
2,822 |
3,895 | 6,845 | 9,407 | 13,802 |
For more information on how to sign up,
Contact Gallin Wekesa-Financial Advisor at Britam-0712-870-447- gallywexa@gmail.com