This is a 24- hour global cover, which combines the feature of workmen’s compensation Insurance and Group Personal Accident Insurance. The scheme seeks to indemnify the Insured against legal liability/financial expenses arising from death or injury to employees caused by external violent means, not only whilst in the course of their employment in accordance with Decree 17 of1987 but globally on 24 hours basis.

BENEFIT SCHEDULE

1. Death: 5 X Annual Earnings
2. Permanent Disablement:  5 X Annual Earnings
3. Temporary Disablement:  24 months benefits payable as follows:

          *Full salary for the first 6 months of disability.
          *50% salary for the next 3 months
          *25% salary for another 15 months

• Medical Expenses: Unlimited but reasonable.