Group Personal Accident

What does group personal accident insurance cover?

Group Personal Accident cover offers worldwide, 24/7 protection for your employees. It’s a valued part of an employee benefits package because it can offer some comfort at a time when employees and their families are worried and feeling vulnerable.

Howden’s expertise, footprint in the market and solid relationships with insurers means we can arrange insurance that fits your needs precisely, without paying too much. 

Policy highlights

Covers medical, hospital and mobility expenses.

Insurance provides appropriate financial support for a variety of outcomes:

• Accidental Death
• Repatriation expenses 

24/7 global cover

Wherever your people are, they are covered. 

Comprehensive coverage, for a broad ranges of scenarios 

You’ve covered for: natural disasters, motor accidents including motorcycles, disappearance, drowning, smoke/poison inhalation, food poisoning, and more. Speak to your Howden broker for full details. 

Covers riots, strikes and civil commotion

Some policies have these scenarios excluded – we make sure they're included in the cover. 

How are premiums calculated? 

Generally, premiums are influenced by the danger levels associated with your job. 

Class 1 – very low hazard white-collar work

For example, office-bound workers.

Class 2 -  White collar worker, with additional risk factors

Examples would be traveling sales staff and people who do site visits. 

Class 3 – Industrial workers, skilled or semi-skilled 

This category also includes certain higher-risk jobs like petrol station attendant, taxi driver.

Class 4 – Industrial workers using heavy machinery / unskilled labourers

Other higher-risk roles in this category include policeman or firefighter.

Class 5 – Extremely hazardous roles

Some roles are even more dangerous than fighting fires. These cases need to be reviewed individually, in close detail, with premiums calculated on a case-by-case basis. Please call for details.