Group Personal Accident Insurance

Protecting employees after serious work related injuries

Comprehensive personal accident insurance for your employees, covering total or partial disability due to a work related accident.

This product is designed to help employers meet the ever demanding and highly competitive employee marketplace by providing comprehensive personal accident insurance beyond the minimal contractual obligations of Workers’ Compensation and General Liability.


  • Complementing a General Liability policy by covering injuries under a separate accident policy.
  • Providing medical benefits to insured members who are injured in a covered accident.
  • Paying benefits regardless of fault.
  • Coverage includes the commute between home and place of service, a benefit not typically found in many General liability or Workers’ Compensation programs.

Features & Benefits

Clear, easy to understand, market-leading products.

  • Inclusive services such as Workcover, HIV Assist and Advance Travel Protect (ATP) online declarations.
  • Loyalty Progamme Insurance Solutions which can be used as a strategic management tool to help meet or surpass the clients’ corporate objectives.
  • Complex and unique underwriting expertise to create customised solutions for virtually every type of group and their unique risks.

Who is it for?

Businesses of all sizes - from SMEs to Fortune 500 companies, across all industries and sectors. This also includes affinity groups such as amateur sports clubs, educational establishments, industry groups and associations. 

What is covered?

We will make a cash payments if the insured employees are killed, or on the loss of limbs, or eyes, or they become totally or partially disabled as a result of an accident covered by the policy.

Group Personal Accident Insurance policies are short-term products and are underwritten by AIG South Africa Limited, FSP No: 15805