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What is Accidental Death Plan

Accidental Death Plan pays you either a lump sum or reimbursements for out-of-pocket expenses in case of injury, disability or death resulting from an accident anywhere in the world.


Why AIG Accidental Death Plan

You want the peace of mind that your loved ones would be protected in the event of a tragic accident.

You want to help protect your family without taking a medical exam

You want additional or increased coverage, on top of traditional life insurance


  • Bodily injury or physical trauma caused by, traceable to, prolonged by or otherwise affected by any physical defect, infirmity or medical condition existing prior to the Effective Date of this Policy.
  • Any criminal or illegal act that you commit.
  • Driving with more than the legal limit of alcohol in your blood or breath.
  • Being under the influence of drugs or narcotics, unless a medical doctor has prescribed or given these drugs or narcotics to you.
  • Self-inflicted injury, suicide, or attempted suicide.
  • Wilful neglect or failure to get, and follow, medical advice or treatment for an insured event.
  • On active duty, or in training, for a government or any private organisation as a soldier, police, traffic or security officer, or reservist.
  • Taking part in, or training for, a sport professionally (see definition of professional sports player).
  • Working underground.
  • Working with explosives.
  • Any air travel, except as a passenger on a legally licensed commercial aircraft. We do not regard a crew member as a passenger.

Road Cover

In the event of a motor vehicle accident in which you are injured, your membership of Road Cover entitles you to the following:

  • Telephonic assistance and advice with regard to what is necessary to prepare a claim for presentation to the R.A.F. (Road Accident Fund).
  • Arrange for an initial assessment if required with a qualified and experienced RC assessor
  • All Legal reports and assessments
  • All medico-legal assessments and reports
  • Case management of the claim
  • All administration required for the presentation of a”bona fide“claim as determined and arranged by Road Cover.

Request a Quote

For a free quote, please contact us on 0860 112 077

Accident Death Plan policy is a long-term product and is underwritten by AIG Life South Africa Limited, FSP No: 15804