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Personal Accident1


The product provides cover to customers against Accidental Death and Permanent Total Disablement (PTD). The AAR Personal Accident Plan allows the principal policy holder to insure themselves, their spouse and children for an additional fee if they so wish.

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Benefits options under this Policy

 BENEFIT
Accidental Death
Accidental Permanent Total Disablement (PTD)
Accidental Temporary Disablement (ATD) allowance(Loss of Income) per month maximum 6 months 
Artificial Appliances (Accidental Loss)
OPTION 1
Tshs 10 Million
Tshs 10 Million
Tshs 300,000
Tshs 200,000
OPTION 2
Tshs 15 Million
Tshs 15 Million
Tshs 400,000
Tshs 200,000
OPTION 3
Tshs 20 Million
Tshs 20 Million
Tshs 500,000
Tshs 200,000

 

Additional Features

This policy provides monetary compensation in the event of bodily injury sustained by the insured student. The injury must be caused by violent, accidental, external and visible means subject to the option selected by the insured and will compensate the affected member if injured. Subject to the terms and conditions, the policy will provide benefits under the following categories.

  • No Medical examination required at inception of policy.
  • 24hrs. Tanzania Coverage.

 Insured Events

The following events will be covered under this policy.

EVENT 
2.1 Death 
Death as a result of an Accident
Death as a result of Exposure to the elements of nature
2.2 Permanent Total Disablement (PTD) 
Permanent Total Disablement as a result of an accident preventing the Insured Person from engaging in or giving attention to his or her usual occupation for a period exceeding 12 consecutive months and which will in all probability continue for life.
% Sum Insured Payable
100%
100%
As per disability scale after confirmation of % of disability by AAR appointed doctor.

 
Premium Rates

The premium rate shall be 1% of sum assured per annum.

 

Entry Ages

MINIMUM ENTRY AGE
5
MAXIMUM ENTRY AGE
59
MAXIMUM AGE AT POLICY EXPIRY
65

 

Minimum and Maximum Cover

CATEGORY
Child
Adult
MINIMUM COVER (TSHS)
5 Million
10 Million
MAXIMUM COVER (TSHS)
10 Million
20 Million

 

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