Personal Accident

Accidents are common and sometimes cause injury leading to disabilities or death.
Personal Accident covers loss resulting directly and indirectly from bodily injuries caused by accident on or off duty and anywhere in the world.

Cover Provided

  1. Accidental Death: 100% capital sum cover
  2. Permanent Total Disability: 100% capital sum cover
  3. Permanent Partial Disability: As per schedule
  4. Temporary Total Disability: calculated on the basis of salary with a maximum of 52 weeks
  5. Medical Expenses: from 5% to 10% of the Capital Sum per person per injury due to accident

Usual Exclusions

This policy will NOT cover the following:

  • War, invasion act of foreign enemy, hostilities, civil war, revolution, terrorism…etc.
  • Sickness (physical or mental), disease or any naturally occurring condition or degenerative process
  • Bodily injury directly or indirectly caused by pregnancy or childbirth
  • Taking part in naval, military or air force service or operations
  • Where under the influence of liquor or drugs
  • Result of intentional self-injury, attempted suicide or whilst carrying out any criminal act
  • Any ‘excluded activities’ listed in the policy
  • Travelling other than by regular airlines, vessels or approved multi-engine charter flight

     

Note: This is just a summary of the cover usually provided. For full details, please contact any of Tokio Marine Egypt General Takaful offices.