It also pays a full or partial benefit in the event of dismemberment, loss of vision or loss of hearing because of an accident.This policy can be provided on separate coverage or as a rider on your life policy and it covers the following:

1.      Accidental Death. (AD): Death Due to Accident .

2.      Permanent Partial Disability due to sickness and/or accident (PPD): Covering Loss of sight, Dismemberment or Disability caused by accidental and/or sickness as per to a continental Schedule showing the nature of disability and the Benefits as proportion of the principle Sum

3.      Permanent Total Disability due to sickness and/or Accident (PTD): Covering loss of sight, Dismemberment or disability by accidental and/or sickness OWN OCCUPATION. 100% of Principal sum.

4.      Temporary Total Disability due to accident (TTD): The Insurance Company will pay weekly indemnity at the rate of 100% of declared weekly salary provided that the total of the period for witch weekly indemnities may be paid shall not exceed 52 weeks in respect of any one accident calculated from the next day of accident there of and further provided that; disability (…) days or less duration shall not be inemnifiable

 5.            Optional Accident Medical Expenses Benefit

 

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