HSF

If an Accident results in Permanent Disability or death the financial consequences can be enormous. Even less serious injuries can result in a lengthy period off work or confinement to the house. Whilst you may be able to cope in the short term, a longer period of disability can put severe pressure on finances.

Lump sum cash payments (shown below) when they are needed most could ease the financial burden. Members are covered 24 hours a day, every day of the year, whether at work, at home or at play.

Permanent Disability: A lump sum cash benefit depending upon the type and degree of Permanent Disability following an Accident.

Death: A lump sum payment if the Accident is fatal.

Temporary Disability: A weekly sum payable (normally by cheque, monthly in arrears) if following an Accident, you are:
a) unable to take up your normal paid occupation or any other paid employment; or
b) confined to the home (applicable only if you are not in paid employment at the time of the Accident)
as certified by a qualified medical practitioner. Payable from the 31st day of your disability for up to 52 weeks. Odd days will be paid at 1/7th of the weekly rate.

Although there is no qualifying period under this section, the Temporary Disability benefit is not payable for the first 30 days (Deferment Period) of each period of temporary disablement.

Fracture Benefit: A lump sum payment for a fracture or fractures to one or more bones of the arm or leg following an Accident.

The Personal Accident Benefits are underwritten on behalf of the HSF health plan by Chubb Insurance S.A.-N.V. one of the world's leading personal accident underwriters. See the rules for full details.

If you (Insured Person) suffer Bodily Injury as a direct result of an Accident which within 12 months of the Accident results in Permanent Disability, Death, Temporary Disability or a Fracture of the specified bone or bones the following Benefits will be paid: