This policy provides for payment of a certain specified sums in the event of accident to the insured persons.

1. Death
A capable sum payable (provided death occurs within twelve months of the date of the accident) to the legal personal representative of the deceased or to the insured or principal who effected insurance on the life of the deceased.
2. Permanent disablement
Regarding total paralysis or injuries resulting in being permanently bedridden or any other injury causing total disablement.
3. Medical Expenses
Reimbursement up to the amount specified in respect of reasonable medical, surgical, hospital nursing home fees or charges necessarily incurred within twelve (12) months of the date of the accident. The medical expenses limit to be covered is to be selected by yourselves.

The conventional market practice is for benefit under (a) and (b) to be arranged in multiples annual salary e.g. 5times annual salary for death and permanent Disablement. The advantage of this is that the benefit is self-adjusting and current at all times as salaries get reviewed. Although a higher level of benefit can be selected by you for (a) and (b).

We would need to know the total number of employees involved in their occupational split and their estimated wages/salaries.