This Policy protects against disability or death of the Insured Person which is caused by violent, accidental, external & visible means. The policy provides a lump sum in the event of accidental death, total permanent disability and loss of limb or eyesight. In the event of partial disability the policy provides proportionate benefits.

The policy may also be extended to cover lost income in the event of accidental disability of a temporary nature, normally up to a maximum of 2 years.

For groups of persons (including employees), coverage can be arranged in such a way as to allow the employer to provide an additional benefit of value to staff.