The personal accident insurance program can be tailored to suit the needs of every organization. At a minimum, such programs will pay the insurance amount upon the death of the insured employee for his life as a result of an insurance accident. The policy covers the covered employee 24 hours a day, worldwide.
One or more of the following additional benefits may be added to the contract coverage:
- The benefit of permanent total disability resulting from an accident
- Partial permanent disability benefit resulting from an accident (based on the global comprehensive disability schedule)
- The benefit of temporary total disability resulting from an accident
- Covered medical expenses benefit arising from an accident
The definition of an accident is an emergency, violent, visible, external, accidental act that is not caused by illness and / or the action of the employee covered by the private insurance that results from it independently of all other causes and directly bodily injury that may lead to the death of the insured employee within six months from the date of the accident. (Or to any of the aforementioned additional benefits), the company is required to pay the value of the personal accident insurance amount to the contractor.
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