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PERSONAL ACCIDENT INSURANCE

Protect your people and business with Personal Accident Insurance

Personal Accident insurance provides lump sum benefits to insureds in the event of an accidental death or disability of the employee. The overall lump sum and proportional payments for defined disabilities can be tweaked based on your overall portfolio of risk. 

REAL LIFE COVER EXAMPLE

Thomas works in a busy steel and tube fabrication factory in South Auckland, specialising in design and made to measure products. 

During a busy period leading up to the end of a large project where the factory is struggling to keep up with production, Thomas is working on a steel press  and accidently forgets to remove his fingers from the pressed item, the machine comes down on Thomas’s hand causing him excruciating pain and the loss of two fingers.  Thomas’s company has a Personal Accident policy in place for their employees which provides a 50% payout of the total sum insured if the insured losses two or more fingers. Thomas received a pay-out of $50,000 due to the loss of his fingers. As Thomas can no longer complete his occupation, he utilised the money to reskill himself and begin employment as a courier driver.

The lump sum payout gave Thomas options, and allowed him the time to recover and think about his options for the future.

Disclaimer: The information contained in this website provides only a general overview of subjects covered, is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Insureds should consult their insurance and legal advisors regarding specific coverage issues. All insurance coverage is subject to the terms, conditions, and exclusions of the applicable individual policies. Marsh cannot provide any assurance that insurance can be obtained for any particular client or for any particular risk.