Group Personal Accident Insurance
Accident cover for your employees, arranged as a group.
Cover when an employee has an accident
Group Personal Accident pays a benefit when an employee is killed or injured in an accident. Employers take it to protect their staff in the course of employment. We arrange it with insurers in the Maldives.
Who can be covered
- Your employees, insured together under one policy
What it pays for
Accidental death
A lump sum to the employee’s beneficiaries.
Permanent total disablement
Loss of a function of the body that cannot be restored, such as paralysis or loss of vision, hearing or speech.
Permanent partial disablement
A less severe permanent loss, such as a finger or toe. Paid as a percentage of the sum insured.
Temporary total disablement
Weekly compensation while the employee is unable to work because of the accident.
Temporary partial disablement
Compensation while the employee can do only part of their normal duties, based on how long the partial disability lasts.
Medical expenses
Medical costs incurred following an accident.
What is not covered
- Disease or illness. This policy covers accidents only
- Self-injury and suicide
- Injury while under the influence of drugs or intoxicating drink
- Dangerous sports and professional sports
- War and kindred risks
Other exclusions apply, as set out in the policy terms and conditions.
For a quote
Send us three things.
- Your company name, and what the business does
- The number of employees, and their occupations
- The sum insured you want for each employee
Common questions
- What does group personal accident insurance pay?
- A lump sum on accidental death, benefits for permanent total or partial disablement, weekly compensation for temporary disablement, and medical expenses following an accident. Employees are insured together under one policy.
- Does it cover illness?
- No. The policy covers accidents only. Self-injury, injury under the influence of drugs or drink, dangerous and professional sports, and war are also excluded.
- How is it priced?
- From three things: what the business does, the number of employees and their occupations, and the sum insured you want for each employee.
How to claim
Tell us
Contact our Claims Hotline or email us as soon as a claim arises.
We guide you
We advise you on documentation and communicate with the insurer.
We follow it through
We monitor the claim’s progress and check the settlement is in line with your policy entitlements.
This page is a summary. Cover is subject to the terms, conditions and exclusions of the insurer’s wording, which prevails. Seguro is a broker and arranges cover with the insurer.
