Personal Accident Insurance is a vital coverage that provides financial protection against the uncertainties of life. Whether for individuals or groups, this policy ensures that in the event of an accident, the insured and their families receive the necessary financial support to cope with medical expenses, loss of income, and other associated costs. With a range of benefits and coverage options, Personal Accident Insurance offers peace of mind and security for policyholders and their loved ones.

Information Required

To obtain Personal Accident Insurance, the following information is typically required:

• Personal Details: Full name, date of birth, contact information, and occupation of the insured.
• Medical History: Information on any pre-existing medical conditions or previous accidents.
• Coverage Amount: The desired sum insured for different coverage options, such as accidental death, disability, and medical expenses.
• Beneficiary Details: Information on the beneficiary who will receive the benefits in case of the insured’s death.

Key Benefits

• Accidental Death: Provides a lump-sum payment to the beneficiary in the event of the insured’s death due to an accident.
• Permanent Disability: Covers permanent total or partial disability resulting from an accident. The extent of the disability is determined by a medical professional.
• Temporary Total Disability: Offers compensation for loss of income due to a temporary total disability caused by an accident, usually up to a maximum of two years.
• Medical Expenses: Reimburses medical expenses incurred as a result of an accident, including hospitalization, surgery, and rehabilitation costs.
• Hospital Cash Benefit: Provides a daily cash allowance for each day of hospital confinement due to an accident, up to the policy limits.
• Artificial Appliances: Covers the cost of purchasing necessary artificial appliances such as crutches or prosthetic limbs.
• Funeral Expenses: Pays a final benefit to cover the costs associated with organizing the insured’s funeral.

Coverage Options

• Individual Cover: Designed for individual policyholders seeking personal protection against accidental injuries and related risks.
• Group Cover: Tailored for organizations or groups, providing coverage for multiple individuals under a single policy, often at a reduced premium rate.

Exclusions

• Self-inflicted Injuries: Injuries resulting from intentional self-harm or suicide attempts.
• Pre-existing Conditions: Medical conditions or disabilities that existed before the policy was purchased.
• Engagement in Hazardous Activities: Accidents occurring while participating in high-risk activities or sports unless specifically included in the policy.
• Influence of Alcohol or Drugs: Accidents occurring while the insured is under the influence of alcohol or non-prescribed drugs.
• War and Terrorism: Injuries resulting from acts of war, terrorism, or civil commotion.

Requirements for Coverage

To obtain coverage, please provide the following:

• Premium Payment
• Fully Completed Proposal Form
• Copy of Identification (ID)
• Copy of Taxpayer Identification Number (TIN) Certificate/Valid NIDA ID

In the Event of a Claim

For assistance with your claim, please contact us at:

• Phone: +255 718 422 229
• Email: claims@bluetickinsurance.com

Minimum Claim Requirements

To process your claim, please provide the following documents:

• TIN Number/Certificate/Valid NIDA ID
• Completed Claim Form
• Any Additional Documents Requested

Ensure that you have all required documents to facilitate a prompt and efficient claims process.