This policy is designed to cover the insured spouse and immediate family against

• accidental death
• permanent disablement as a result of an accident
• Temporary disablement as a result of an accident.
• Medical expenses arising from accidental injury
• Murder, snake & insect bite
• drowning provided it is not suicidal
• domestic accident
• loss of eyes, limp or hearing
• disappearance or exposure resulting in a person being declared dead by competent courts.

Exclusions

• wilfully self inflicted injury including suicide
• death or disablement as a result of natural illness/ sickness.
• Fraudulent claims and cases where fraudulent means are used to access policy benefit
• any percentage of disability in excess of 100%
• any portion of medical expenses recoverable from a medical aid society
• injury sustained whilst an insure person is under the influence of intoxicants , drugs or ethyl alcohol.
• specified sporting activities or events.
• motor cycling
• war and nuclear risks.