Accident Insurance

Group Personal Accident (GPA)

Group Personal Accident provides compensation to insured members of a group for accidents leading to injury or death. This policy is, however, not a replacement for health insurance. Group members can be employees, members of a club or co-operative, school etc. Benefits of members getting the ZSIC GI Group Personal Accident policy include:

• Death -- of any person covered by the insurance where death is a direct result of an accident.

• Permanent Disablement -- of any person covered by the insurance, the benefit being payable in the event of injury sustained as a result of an accident where the disablement is permanent.

• Medical Expenses -- incurred by any person covered by the Insurance in respect of actual medical expenses paid which relate to the injury directly caused by an accident

• Funeral Expenses Extension -- can be taken as an optional extension to the policy to cover funeral expenses necessarily incurred where death of any person covered by the Insurance is a direct result of an accident.

Employer's Liability

This covers legal liability of an employer which relates to bodily injury, death or disease sustained by any person under a contract of service with the employer and which arises out of and in the course of employment.

Public Liability

Public liability provides an indemnity in respect of legal liability for accidental death or bodily injury or damage to property of the public due to negligence of the insured and or his employees during the conduct of his business.

Product Liability

Products liability cover is issued as an extension to the main public liability policy. This cover protects the insured against legal liability for injury to third parties or loss of or damage to their property caused by goods sold or supplied.