The policy provides compensation for employees against bodily injury by violent, accidental, external, and visible means resulting in death, permanent or temporary disablement. It provides cover for 24 hours of the day.
Death: - Multiples of annual salary of employee/member
Permanent Disablement: - As above
Total Temporary Disablement: - Usually payable on weekly basis for a period of 104 weeks and limited to 2% of basic salary.
Medical Expenses: - A limit sum is usually agreed.
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