Accident & Health
Protect your people and operations
What is Accident & Health Insurance?
Your workforce is an interconnected network where every employee plays their part. Our Accident & Health Insurance connects the dots between employee well-being and business continuity, covering both your people and your operations against the financial costs of injuries.
We understand that your business runs as an ecosystem and your cover should reflect this. Our bespoke Personal Accident insurance solutions cater to companies of all sizes and industries, offering flexible pricing options and tailored policy benefits that provide comprehensive protection for accidental death, permanent or temporary disability and related medical expense shortfalls, with over 25 additional coverage extensions.
We provide tailored insurance solutions for multiple industries, including education, fisheries and agriculture, uniquely protecting businesses and their employees with customised policy coverage.
Why choose our Accident & Health cover?
Hollard Accident & Health offers your company:
- Flexible benefit and cover options, including burning cost, 50/50 options or aggregate excesses.
- The MultiBenefit Plan – tailored to businesses made up of one person.
What is Accident & Health Insurance?
Your workforce is an interconnected network where every employee plays their part. Our Accident & Health Insurance connects the dots between employee well-being and business continuity, covering both your people and your operations against the financial costs of injuries.
We understand that your business runs as an ecosystem and your cover should reflect this. Our bespoke Personal Accident insurance solutions cater to companies of all sizes and industries, offering flexible pricing options and tailored policy benefits that provide comprehensive protection for accidental death, permanent or temporary disability and related medical expense shortfalls, with over 25 additional coverage extensions.
We provide tailored insurance solutions for multiple industries, including education, fisheries and agriculture, uniquely protecting businesses and their employees with customised policy coverage.
Why choose our Accident & Health cover?
Hollard Accident & Health offers your company:
- Flexible benefit and cover options, including burning cost, 50/50 options or aggregate excesses.
- The MultiBenefit Plan – tailored to businesses made up of one person.
Need to get in touch with us?
Email us on personalaccident@hollard.co.za and we'll get back to you as soon as possible.
I would like to talk to someone
Send us your details and we will give you a call.
What we offer
Group Personal Accident
Group Personal Accident Cover provides cover for death, permanent disability, temporary total disability and emergency expense shortfall following an accident. It covers accidental incidents, including crime-related incidents.
Who is it for
- Employers from businesses of all sizes.
- Employees ranging from professionals to skilled workers and manual labourers.
- Cover ranges across various sectors, including educational institutions, state-owned enterprises, municipalities, mines, financial institutions, the motor industry, retail, agriculture, energy, solar and many more.
Key features
- Supports your duty of care toward your employees.
- Can be tailored to suit your needs, with flexible wording and product options to help meet the needs of your business and employees.
- Offers 24/7 cover or work-hours-only cover, with the option to include or exclude commuting.
- Minimal underwriting requirements, including no medicals required.
- Thirty-six policy extensions that complement the core benefits.
- No waiting periods for accidental death and permanent total disability claims.
- Policies have an upper age limit of 85, catering for longer lives and careers.
- Complements Group Life, COIDA and RAF benefits.
- Can be written as a standalone policy or form part of a broader commercial insurance offering.
- Injuries from recreational activities such as microlighting and hot-air ballooning are covered.
- All forms of racing are covered, except racing in a motorised vehicle.
- Innocent bystanders injured in labour disturbances, riots, strikes or public disorder are covered.
Benefits
- Benefits are payable to the policyholder unless instructed otherwise.
- Death Benefit: Paid if you or your employee passes away due to an accident.
- Permanent Disability Benefit: Pays out if an accident leaves you or your employee permanently disabled or unable to return to work.
- Temporary Total Disability Benefit: Replaces loss of income if you or your employee is unable to work for more than 7 days.
- Emergency Expense Shortfall Benefit: Covers unexpected medical or emergency costs not fully funded elsewhere.
Education Institution Personal Injury Cover (EPIC)
Education Institution Personal Injury Cover is specialised accident cover designed specifically for learners and staff at school, including cover during sports activities and school events.
Who is it for
- Any schools or educational institutions.
- Cover for students and staff.
Key features
- Tailored wording to incorporate specific needs related to education.
- Cover during school activities and sports.
- Guaranteed hospital admission.
- Emergency assistance from Netcare911.
- Trauma counselling.
- Rehabilitation costs.
Benefits
- Emergency Expense Shortfall Benefit: Covers unexpected medical or emergency costs not fully funded elsewhere.
- Death Benefit: Paid out if your staff member or learner passes away due to an accident.
- Permanent Disability Benefit: Pays out if an accident leaves your staff member or learner permanently disabled.
For more information, download the brochure below.
Education Institution Personal Injury Cover Brochure
Hollard Responder
A comprehensive accident response and crisis support solution designed to protect clients, visitors, staff and members of the public who are on a policyholder’s premises or under their care.
Who is it for
- All businesses that want to manage their risk and safeguard their reputation.
- Small businesses that are finding it difficult to get liability cover.
Key features
- 24/7 emergency call centre support.
- Emergency services dispatch and accident expense cover.
- Hospital guarantee.
- Emergency fire dispatch.
- Trauma assistance.
- On-scene manager.
- Brand and reputation protection.
- Repatriation services.
- Accidental death and permanent disability cover.
Tailored solutions
At Hollard Accident & Health, we offer flexible and bespoke product offerings to suit the needs of your staff, clients or customers. Extensions and services can be aligned to your clients’ needs and risk profile.
What you can expect fromGroup Personal Accident
Over and above the core benefits, here’s a look at what you can expect from our Group Personal Accident policy in terms of policy extensions:
- Accidental death immediate expenses: R15 000.
- Accidental HIV infection: actual expenses up to the emergency expenses shortfall benefit amount; R250 000.
- Active military service: up to R250 000 for any one insured person; up to R1 million for any one insured event.
- Blood transfusion: actual expenses covered up to R50 000.
- Catastrophe: 25% of the accidental death benefit for the accidental death of five or more insured persons, up to a maximum of R1 million.
- Chauffeur expenses: actual expenses covered up to a maximum of R10 000 a year.
- Childcare expenses: benefit of R750 per day, up to a maximum of R22 500.
- Claims preparation costs: actual expenses covered up to a maximum of R75 000.
- Compensation for Occupational Injuries and Diseases fast track: included.
- Coma: benefit of R500 per day, up to a maximum of 365 days or R182 500.
- Crime: 5% of accidental death or permanent total disability, up to a maximum of R50 000.
- Detention: included.
- Disappearance: 100% of accidental death.
- Emergency transportation to local medical facility: actual expenses covered up to a maximum of R200 000 per insured person and R1 million for any one insured event.
- Exposure: included.
- Family and/or private household employee emergency expense shortfall: actual expenses up to R20 000 per insured person or R100 000 for any one insured event.
- Home convalescence: R1 000 per day, up to R7 000 for up to seven days.
- Hospital confinement (non-medical benefit): R1 000 per day, up to a maximum of R14 000 for up to 14 days.
- Kidnapping or hijacking: included.
- Life support: actual expenses up to a maximum of R70 000.
- Mobility expenses: actual expenses up to a maximum of R100 000.
- Paraplegia: 10% of permanent total disability up to a maximum of R500 000.
- Passive war: included.
- Permanent disfigurement: a percentage of the permanent disability benefit in direct proportion to the affected:
- Head, neck and hands – up to 25%, up to a maximum of R300 000;
- All other areas of the body – up to 10%, up to a maximum of R100 000.
- Post-mortem waiver: included, dependent on claim.
- Quadriplegia: 25% of permanent total disability, up to a maximum of R1 million.
- Recruitment and relocation of replacement employee: 75%, up to a maximum of R150 000.
- Rehabilitation: in connection with
- Permanent disability – 85% of expenses up to a maximum of R150 000;
- Temporary total disability – actual expenses up to a maximum of R5 000 per week for up to eight weeks, subject to a 14-day excess, up to a maximum of R60 000.
- Repatriation of mortal remains: actual expenses up to a maximum of R250 000.
- Search and rescue: actual expenses up to R100 000 per insured person; up to a maximum of R500 000 for any one insured event.
- Seatbelt: 10% of the accidental death benefit, up to a maximum of R100 000.
- Temporary partial disability: 40% of the temporary total disability benefit.
- Terrorism: included.
- Trauma counselling:
- up to R1 000 per visit, limited to R25 000 per year;
- R100 000 per policy in any 12-month period of insurance.
Additional assistance services offered:
- HIV counselling and treatment (following accidental exposure).
- Trauma counselling.
- ClaimCare: holistic support for Personal Injury Claims, RAF Claims and Medical Negligence Claims.
- COIDCare: tailored advice on Compensation for Occupational Injuries and Diseases (COID).
- Access to 24-hour emergency medical assistance, provided by Netcare 911, following an accident.
Need a quote?
Information required to quote:
- Company name
- Business description
- Total annual payroll and number of insured persons
- Benefits required
- Claims history
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