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What is Personal Accident Cover?

Accidents happen all the time and at any time. Depending on the type of accident you might suffer, our personal accident insurance can cover you up to R700,000.

You can also add your spouse/partner and children to your policy for an additional premium


Why AIG Personal Accident Insurance?

Whether you're looking after you or your family, a simple accident can have a lasting effect on the rest of your lives. With AIG personal accident cover you can minimize that risk and ensure that if something terrible does occur, you will have some protection to enable you to provide for yourself or your family.


We cover you for various benefit amounts for all types of injuries which can be found on our policy summary.

With personal accident insurance you are covered once you take out the policy. Simple!


We will make a cash payments as a result of an accident covered by the policy.


  • 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 Assistance

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

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